Homeowners insurance policies may cover landscaping damage, but it depends on the specific scenario. These policies could help pay for damage to your yard, which can include trees, plants, and other surrounding structures.

What To Know About Homeowners Insurance For Landscaping

Typically, homeowners insurance policies will help pay to replace trees, plants, and shrubs against specified perils like lightning, fire, theft, and more. Of course, there are always other risks associated with landscaping that will not be covered by insurance. In general, these risks include damage caused by inclement weather. Damage as the end result of pests, insects, or diseases are usually not covered, either.

Most insurance policies feature limits on landscaping coverage. Some policies will limit landscaping coverage to a percentage of the dwelling protection. There are also limits set on how much a policy will pay to replace trees, plants, and shrubs.

In most cases, you will have to pay a deductible prior to any coverage kicking in. Always review your policy to learn the terms and conditions related to landscaping coverage.

Does Homeowners Insurance Cover Fallen Trees?

If your home, fence, or shed is damaged by a fallen tree, homeowners insurance may help pay for the repairs. Even in circumstances where it doesn’t cover the tree itself, these policies can help protect structures on your property.

For instance, if a tree falls over during a windstorm and damages your shed, insurance could help pay for any needed shed repairs. Insurance may also help cover the cost of tree removal. These policies do not typically pay for tree removals that do not result in any damage, however.

It’s also important to note that these policies likely won’t cover damage to structures if the damage is a result of the homeowner’s negligence or lack of maintenance. Always reference your policy to know what types of landscaping damage are covered.

Landscaping Designs By Arte Verde In Scottsdale, AZ

Start creating your very own landscaping project in Scottsdale or Phoenix, Arizona by giving Arte Verde a call today at (602) 618-0688 to schedule a free consultation!