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Does Homeowners Insurance Cover Landscaping Damages?

homeowners insurance for landscaping damages homeowners insurance for landscaping damages

Aug 09, 2023

Homeowners Insurance

The outdoor space enhances the aesthetics and utility of your property. Still, when you invest a sizable amount in the development and maintenance of landscaping, any damage to it can set you back financially. So, it is essential to know whether the various elements in your yard are covered by your homeowners insurance.

This blog focuses on homeowners insurance for landscaping damage. It discusses several aspects, such as how landscaping can be covered by your homeowners insurance and whether it has a coverage limit. The blog also offers several scenarios when landscape coverage covers fallen trees and when it does not.

How Does Home Insurance Cover Landscaping?

Your homeowners insurance policy offers coverage for indoor and outdoor spaces. The coverage for the outdoors includes the soft scape elements in your landscaping, such as the lawn, shrubs, and trees, and the hardscape elements, like the driveways, patios, and decks. However, the coverage limit for homeowners insurance for landscaping damage may vary from one insurance provider to another.

Your insurance provider will pay for landscaping damage only if it is caused by a covered peril such as fire, lightning, theft, and vandalism. The perils that are usually not included in homeowners insurance for landscaping damage are:

  • Wind
  • Hail
  • Ice, snow, frost
  • Pests, insects

Homeowners insurance for landscaping damage may not always cover replacing and repairing damaged landscaping items. Still, it may include only the cost of removing the damaged items from the landscaped area. Also, like standard homeowners coverage, landscaping damage caused by flooding is not fit for which you need a separate flood insurance policy.

Is There a Limit for Landscaping Coverage?

Typically, a set amount of percentage of your homeowners insurance policy is fixed for landscaping damages. This fixed landscaping coverage amount is further divided into sub-limits that are fixed for individual landscaping elements.

For example, your insurance provider fixes $ 10,000 for homeowners insurance for landscaping damage with the sub-limit per tree or shrub fixed at $ 1,000.

However, before your insurance provider covers your claim for landscaping damage, you have to pay the deductible, which is fixed at the time of purchase of your policy.

Does Landscaping Coverage Include Fallen Trees?

Damage due to fallen trees is a common reason homeowners file a claim. The damage can be extensive and, if not covered, cause heavy financial loss. In most cases, insurance providers cover fallen tree damage and the removal costs for a tree felled by a covered peril. However, specific scenarios exist when a fallen tree damage claim may be accepted or denied.

You will be covered for fallen tree damage if:

  • Accidental felling of a tree on your property by a covered peril
  • Your neighbor's fallen tree

Your claim may be denied if:

  • Fallen tree does not cause any damage to property
  • The tree was already rotting

Cover Your Home and Property with Little & Sons Insurance

For expert guidance on enhancing your home and property security through homeowners insurance, rely on our proficient team at Little & Sons Insurance Services. Our seasoned professionals are prepared to offer you the finest solutions. Contact us today to ensure the utmost protection for your valuable assets.

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