Landscaping Losses: Are They Covered by Insurance?

Your neighbor’s teenager drove over your beautiful flower beds. That old oak finally fell, and it took out your fence on its way down.

If a disaster hits your landscaping, is this covered by homeowners insurance? In many cases, yes. As part of your home, your landscaping is often covered by your homeowners policy, but not always. Here’s the scoop:

Plant perils: Homeowners policies typically cover costs to replace plants, trees, and shrubs that are damaged by fire, lightning, vandals, or someone’s else’s vehicle. However, damage caused by weather and pests, such as flooding, wind, and insects, often is not covered by homeowners insurance.

Tree tragedies: Tree coverage can be a bit tricky. Coverage varies depending on the specifics of the situation. If a tree falls on a structure, your policy may provide coverage for the cost of removing the tree and the repairs to the structure. If it falls without damaging anything, you may have to pay for the tree removal yourself. Additionally, your coverage probably won’t pay to replace the tree in either situation.

Landscaping limits: As with most policies, homeowners insurance usually has limits on the landscaping coverage provided. Often, this limit is a certain percentage of the dwelling protection. The policy may also limit how much can be spent on each replacement plant. It may be possible to extend your coverage to include higher amounts and additional circumstances.

Reach out to our office to determine whether you’d like to expand your landscaping coverage. A quick review of your policy will reveal what protection you’re currently offering your plants.