How your insurance can cover the yard.
Your yard is an important part of your home, and requires a great deal of time, effort, and money to maintain. Landscaping can suffer damage from fire, theft, and vandalism, just like the inside of your home. If you’ve worked hard to create a beautiful yard, you may be wondering whether homeowners insurance will help to protect your trees, shrubs, and landscaping in case of damage. Fortunately, most home insurance policies provide coverage under certain conditions.
Standard home insurance coverage provides protection against damage to landscaping, trees, and shrubs caused by:
Note that most weather-related damage (other than lightning) is not often covered by home insurance. This includes any damage to trees, shrubs, and landscaping caused by wind, hail, rain, ice, and snow. Damage from insects and disease are often not covered, either.
Be sure to check your homeowners insurance policy as most will have limits on how much coverage is available to restore damaged landscaping. There may be limits on how much a policy will cover for each tree or shrub. Some policies may restrict landscape coverage to a percentage of the total protection provided for the dwelling structure.