Is My Home’s Landscaping Covered Under My Homeowners Insurance?

January 31, 2020

Some policies cover specific "Landscaping" losses

Depending on the specific policy you have, there may be coverage for landscaping for certain types of losses.

In most homeowners policies, landscaping is typically defined as trees, shrubs, and plants.

Though limited on most homeowners forms, coverage for trees, shrubs and plants are typically included for:

Debris Removal

Most policies provide for the reasonable expense to remove trees that fall on the residence or other structures.
Some contracts may also provide coverage (subject to a maximum limit) to remove trees that do not damage or fall on the dwelling or other structures.

Coverage for the value of Trees, Shrubs, and Plants:

Many homeowner policy forms provide coverage for not only debris removal, but for the value of landscaping itself.

Typically policies that extend coverage for the value of trees, shrubs, or plants do so for specific types of losses (perils). Those perils may include:

Fire or lightning
Explosion
Riot or Civil Commotion
Aircraft
Vehicles
Theft

See the sample ISO Policy form below. Pay notice to what is not on the list (IE: Wind, Falling Objects and Weight of Ice or Snow)

Concerning coverage for “landscaping”, policy forms can vary widely. See your specific policy for details.

Would you like to discuss your homeowner's insurance and what it covers? We LOVE to help. Please call us at 607-324-7500.

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