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Is My Landscape Covered By My Policy?

Little & Sons Insurance Group / Blog  / Is My Landscape Covered By My Policy?

Is My Landscape Covered By My Policy?

Landscape and Homeowners Insurance Calimesa CALandscape and Homeowners Insurance in Calimesa, CA

Landscaping is not only aesthetically pleasing, but it can also boost your home’s value once it is time to pick up shift and find your new dream home. However, as a homeowner you are aware that pristine landscaping does not come cheap. Since you will be investing a great deal into your home’s landscaping, you will want the peace of mind that your greenery is protected with the proper insurance coverage.

Is My Landscape Protected Under My Home Insurance Policy?

Any insurance coverage for your landscaping falls under Coverage C of your homeowners insurance policy – the personal property portion. The percentage of coverage is typically 50 to 70 percent of your Coverage A, meaning you will receive that amount of coverage for your landscaping.

Are There Any Limitations I Should Be Aware Of?

Yes! There are specific limitations for insuring your landscaping under Coverage C of your homeowners insurance policy. Typically, trees, shrubs, and plants receive coverage at about 5 percent of your policy’s value, but only $500 per item of greenery. However, some policies only provide you with reimbursement for the cost of removing the tree and the cost of repairing any structures that were damaged in the process.

What Perils Are Included In My Coverage?

The standard homeowners insurance policy covers landscape damages caused by fire, smoke, lightning, windstorm, hail, explosion, riots, civil commotion, vandalism, malicious mischief, theft, volcanic eruption, aircraft, vehicles, falling objects, ice, snow, sleet weight, glass breakage, flooding caused by appliances, and abrupt collapse.

Serving Banning, Beaumont, Calimesa, Redlands, and the rest of Southern California, contact Little & Sons Insurance Services for all of your homeowners insurance needs. When it comes to your landscape and homeowners insurance in Calimesa, California, it is important that you check with your agent to determine your coverage gaps and limitations.

Little & Sons Insurance Services

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Little and Sons Insurance Services is your complete insurance resource. Since we were established in 1922, we assist individuals and business owners with all of their insurance needs, whether it be for auto, home, or commercial insurance. As an independent, full-service insurance agency, our duty is to our clients’ best interests.

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After 23 Years of serving our clients at our location in Beaumont, CA it is with a heavy heart that we are consolidating our operations to our Banning Office. We will be available all the same hours and will work to make this transition as smooth as possible. Thank you for your continued business and we look forward continuing to serve your insurance needs. Our contact information will stay the same so feel free to contact us.

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