There are a few scenarios where homeowners insurance policies can help cover the costs of landscape damage. This policy can help cover specific damage done to your yard, which includes trees, plants, and other surrounding structures. Let’s take a look at what homeowners insurance is likely to cover below.
Will Homeowners Insurance Cover Landscaping Damage?
Typically, standard homeowners policies will help pay to replace trees, plants, and shrubs against specified peril. This often includes things like fire, explosion, theft, vandalism, lightning, and damage caused by someone else’s vehicle.
Of course, there are other potential risks to landscaping that are not covered by homeowners insurance. Damaged caused by inclement weather or by insects, pests, and diseases are not generally covered.
Most policies feature limits on how much coverage is ultimately provided. Some policies may limit coverage to a percentage of the dwelling protection, for example. There may also be limits set on how much a policy will pay to replace a tree or shrub, in some cases.
In most cases, you’ll have to pay a deductible before any coverage is provided. Always contact your insurance provider directly for more information.
Does Homeowner’s Insurance Cover Fallen Tree Damage?
These policies can help cover the cost of damage caused by fallen trees to your home or other nearby structures. Homeowners insurance could help protect structures on your property even when the tree itself is not covered. For instance, if a tree blows over during a storm and damages your shed, the insurance will likely cover shed replacement costs. Homeowners are often on their own when it comes to the tree, though.
If a tree falls onto a structure on your property, insurance could help pay for the tree removal. However, if the tree simply falls and does not damage anything, insurance will not cover the cost of clearing the tree away.
It’s vital to note that insurance will not cover damage to structures when the damage occurred because of your own negligence. If a tree from a neighbor’s yard happens to cause damage to your property, your insurance could help cover these costs.
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