To answer some important Homeowners Insurance questions
Will My Homeowners Insurance Cover Damage to My Yard?
Homeowners Insurance Coverage For Damage To Structures On The Property
Your homeowners policy may help cover damage to structures on your property caused by a covered peril, such as a fallen tree or a storm. It may also cover structures external to the dwelling, including your:
Coverage for landscaping under homeowners insurance
Most standard homeowners policies will pay to replace trees, plants, and shrubs that are damaged by covered perils. These perils typically include:
-Damage caused by someone else’s vehicle
However, certain common risks to landscaping are not generally covered by homeowner’s insurance. Perils that are typically not covered include damage from weather, such as wind, hail, and the weight of snow and ice, as well as damage from insects, pests, and diseases. Some insurance companies offer optional coverage to provide additional protection for landscaping.
When Structures Are Covered, But Landscaping Is Not
If a tree on your property blows over in a strong wind and damages a structure such as a fence or shed, homeowners insurance would not typically pay to replace the tree, although it may pay to repair the damaged structure. If a tree falls on your property and damages a structure, your homeowners policy will likely cover the cost of removing the tree. However, if a tree falls and no structure is damaged, your homeowners insurance will not cover the cost of having the tree removed.
How Negligence Factors Into Homeowners Insurance Coverage
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