Home Insurance Landscaping Coverage

​While backyard landscaping is a great way to create a beautiful garden space, it is not immune to damage. Damaged plants and trees can risk your home’s structure. Therefore, you must ensure that you are properly covered by homeowners insurance.

Did you know that you can protect your landscaping from unexpected damage such as a fire or an explosion— other than your main property? You and your family can enjoy the tranquility of your outdoor living space with peace of mind through dedicated coverages. Here’s what you need to know. 

Does homeowners insurance cover damage to landscaping?
Your landscaping and plants are not just an aesthetic element of your home; they are an integral part of your environment. They provide a sense of comfort, a refuge from the city, and offer a beautiful view.

Luckily, homeowners insurance can cover protection for your personal property as well as protecting your home. Generally, home insurance may cover damage to your landscaping from the following perils:

• Fire
• Lightning
• Vandalism
• Theft
• Explosion

Coverage may even be extended to injuries caused by someone else's vehicle driving into your yard. Landscaping is part of the physical structure, so it is usually included in homeowners’ policies – and you can add riders to make it cover even more.

Types of Landscaping Covered Under Home Insurance
The types of landscaping that may be covered include the following but are not limited to:

Fallen Trees
If your tree falls due to a natural disaster, your homeowners' insurance may cover the cost of removing it. However, if your tree falling was caused by neglect or maintenance issues, the removal will likely be limited or not covered.

Yard
Your homeowners' insurance policy can cover your lawn and other landscaping in your yard. However, it may only cover the cost of fixing your damaged landscaping and not a replacement for them.

Plants and Shrubs
Your home insurance may cover damage to your plants and shrubs if caused by perils such as fire, explosions, lightning, theft, or any other natural disaster. However, it may not cover damage caused by wind or hail because it's not considered a natural peril.

Conclusion 
A home insurance policy can help you recover money for your damaged landscaping work. This helps ensure your new garden is covered in an accident or sudden weather event.

At Appletree Insurance, we aim to provide comprehensive insurance policies that make your life easier. We want to help you get the insurance that fits your needs. You can get more information about our products and services by calling our agency at (603) 881-9900. Get your free quote today by CLICKING HERE. Topics and coverage discussed in this article are not guaranteed, consult with your agents to determine what your policy does and does not cover. We are more than happy to help!