clock April 28, 2022 comments No Comments flowchart Homeowners InsuranceOur Blog tag
homeowners insurance and landscaping - tree fell on a house

Generally, homeowners insurance extends to your landscaping, if a loss is caused by a covered peril. Examples of perils typically include fire, theft, vandalism, lightning, and more. However, insurance policies can vary greatly.

As a result, it is important to understand what your specific policy covers and what it excludes. Otherwise, you could face an unwelcome surprise if you ever need to file a claim.

Risks That May Not Be Covered

As mentioned, most standard homeowners’ policies do offer protection if plants, shrubs, or trees are damaged by a covered peril.

Nonetheless, many risks are also excluded. These include weather-related damage caused by wind, hail, and snow and ice weight. Additional common exclusions include damage caused by disease, vermin, or insects.

If your landscaping is damaged by erosion, you may not have coverage either. Landscaping damage caused by an earthquake is also excluded, even when you have earthquake coverage.

Garden retaining walls may not be covered under your homeowners insurance policy either. Regular homeowners insurance coverage and flood insurance also exclude flooding damage to property outside of an insured building, such as trees and plants.

Landscaping Coverage Limits

In Rhode Island, homeowners insurance policies have limits on how much you can claim for a landscaping loss. For instance, the policy may specify how much it will pay out for each tree or shrub.

In addition, there is usually an overall coverage limit based on a percentage of your total dwelling limit. A common percentage is 5%, but policies can vary.

As an example, the maximum amount you could claim for a landscaping loss if your total dwelling limit is $400,000, would be $20,000. Damage must be caused by a covered peril. You will also need to pay your deductible, before coverage kicks in.

Fallen Trees

Your insurance policy may help pay for repairs if a fallen tree damages, your home or another structure on your property, such as a fence or shed. However, policies usually don’t cover the cost to replace the tree.

Furthermore, most policies only pay to remove the fallen tree if it damaged a structure on your property. Otherwise, you must pay to have it removed yourself.

Additionally, homeowners insurance policies typically won’t cover structural damage if it was caused by your own negligence. For instance, if a tree is obviously rotten and you don’t remove it, it could fall on your house one day. If you file a claim, the insurer wouldn’t pay for home damage or tree removal either.

However, if a neighbor’s rotten tree crashes down and damages your fence and home, your policy would probably help you.

Give us a call to determine which protections you have in place. We’ll review your current policy and help you make changes when necessary to ensure you have the coverage you need to protect your home’s landscaping well.

Leave a Reply

Your email address will not be published.