Depending on the scenario, home insurance policies can help cover landscape damage. Home insurance can help cover damage to your garden, including surrounding trees, shrubs, plants and structures. It is a good idea to understand what your insurance covers and what does not happen before the unexpected happens. Here are some things to consider.
LANDSCAPE INSURANCE FOR LANDSCAPES
Standard homeowner guidelines generally help replace trees, bushes, and plants against certain hazards such as fire, lightning, explosion, vandalism, theft, and damage to someone’s vehicle. ‘other. Please note that there are other landscape risks that are generally not covered by home insurance. These risks include damage caused by weather conditions such as hail, wind and the weight of ice and snow, as well as damage caused by insects, pests or diseases. Home insurance policies generally have limits on the coverage available for landscaping. Some home insurance policies limit landscape protection to a percentage of home protection. You will also likely find that there are set limits for paying for a policy to replace any tree or shrub.
You may also need to pay a deductible before coverage begins. Read your instructions or contact your representative to learn more about the landscaping conditions set out in your directives.
INSURANCE COVERAGE FOR Fallen TREE OWNERS
Home insurance can help pay for repair costs if your home or other structure, such as a shed or fence, is damaged by a fallen tree.
Home insurance can help protect the structures of your property, even in situations where the tree itself is not covered. For example, if a tree is blown away by strong winds and damages your shelter, insurance generally does not cover the cost of replacing the tree but can help pay for the repair of the shelter.
If a tree falls on a structure on your property, e.g. For example, a shelter or a fence, home insurance can help remove the fallen tree. However, III says that if a tree falls on your property but no structure is damaged, the cost of cleaning the tree is generally not covered by insurance.
It is important to note that insurance is unlikely to cover damage to structures if the damage was caused by your own negligence or lack of maintenance. For example, if a tree on your property begins to rot and then falls and hits your house, insurance is unlikely to cover this loss. However, if your neighbor’s rotten tree falls and damages your home, your insurer can help you cover the damage, says the Insurance Information Institute (III).
ADDITIONAL LANDSCAPE COVERAGE
Some insurers offer optional coverage which can provide additional protection for landscaping. Additional coverage may be available to finance the removal of tree debris from wind, hail, or the weight of ice, snow, or sleet, even if a tree falls in a storm without hitting a structure. And you may be able to purchase additional insurance to raise your landscaping thresholds, says III. To find out more about additional coverage that can help protect your landscape, contact your insurance agent.
Read your guidelines to determine which warranties are in place. Your agent can help you answer questions or make changes to your coverage.