Does Home Insurance Cover Landscaping? A Guide to Home Insurance Coverage

Landscaping is an important part of your home’s curb appeal and value. It can also provide you with enjoyment, relaxation, and environmental benefits.

Landscaping covered by Home Insurance
Landscaping covered by Home Insurance | ALLSTATE

However, landscaping can also be vulnerable to damage from various causes, such as fire, theft, vandalism, or storms.

You may wonder if your home insurance policy covers your landscaping in case of such events.

The answer is yes, but with some limitations and exclusions.

In this article, we will explain how home insurance covers landscaping, what types of damage are covered, how much coverage you have, and how to get additional protection if needed.

 

How Home Insurance Covers Landscaping

All standard home insurance policies cover damage to landscaping under the dwelling coverage section.

This means that your policy will pay to repair or replace your landscaping features, such as trees, shrubs, plants, and lawn, if they are damaged by a covered peril.

A covered peril is a specific cause of loss that is listed in your policy. However, not all perils that can damage your landscaping are covered by your policy.

Homeowners cover Landscaping with home insurance
Homeowners cover Landscaping with home insurance | MONEYGEEK

 

For example, damage caused by wind, hail, rain, ice, snow, pests, or floods is usually not covered by home insurance.

You will need to check your policy to see what perils are covered and what are excluded.

Additionally, home insurance policies have limits on how much they will pay for landscaping damage.

Typically, your policy will cover up to 5% of your dwelling coverage limit for all landscaping damage combined.

For example, if your dwelling coverage limit is $300,000, your policy will cover up to $15,000 for landscaping damage. However, there is also a sub-limit for each individual item of landscaping.

Usually, this sub-limit is $500 per item.

This means that if you have a tree that is worth $1,000 and it is damaged by a covered peril, your policy will only pay $500 to replace it.

Furthermore, home insurance policies may only cover the removal of damaged landscaping items, not their replacement.

For example, if a storm knocks down a tree on your property and it damages your fence or roof, your policy will pay to remove the tree and repair the fence or roof.

However, it may not pay to plant a new tree in its place.

Getting Additional Coverage for Your Landscaping

If you have valuable or extensive landscaping on your property, you may want to consider getting additional coverage for it.

Image of outbound shed building
Outbuilding Shed [PHOTO COURTRESY OF THE ZEBRA]

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There are two ways to do this:

Increase your dwelling coverage limit:

This will increase the amount of coverage you have for landscaping damage as well.

However, this will also increase your premium and may not be enough to cover the full value of your landscaping items.

Add a landscaping endorsement:

This is an optional add-on that you can purchase from your insurer to enhance your coverage for landscaping.

A landscaping endorsement may increase the sub-limit for each item of landscaping, cover more perils that can damage your landscaping, or cover the replacement cost of damaged landscaping items. T

he cost and availability of a landscaping endorsement may vary depending on your insurer and location.

Conclusion

Home insurance does cover landscaping damage caused by certain perils up to a certain limit. However, if you want more protection for your landscaping features, you may need to increase your coverage or add an endorsement. You should review your policy carefully and talk to your agent or insurer to find out what options you have and how much they cost. By doing so, you can ensure that your landscaping is adequately covered and enjoy its beauty and benefits without worry.

Sources:

¹: Conversation with Bing, 25/08/2023
(1) Does Homeowners Insurance Cover Your Landscaping?. https://www.valuepenguin.com/does-homeowners-insurance-cover-landscaping.
(2) Does Home Insurance Cover Landscaping Damage? | Progressive. https://www.progressive.com/answers/does-insurance-cover-landscaping/.
(3) Does Homeowners Insurance Cover Landscaping? (2023) – MoneyGeek. https://www.moneygeek.com/insurance/homeowners/does-homeowners-insurance-cover-landscaping/.

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