To discover whether or not your
homeowners insurance policy already covers your landscaping, you can talk to
your insurance agent or company, or you may be able to find this information
just by looking in the policy information packet that you should have kept in a
file drawer somewhere. Different homeowners insurance policies will have
different limits for landscaping coverage. They might pay to replace trees and
such in the event of a fire, but you may get no coverage for storm damage. Be
sure that you understand exactly what your homeowners insurance policy does and
does not cover before you count on it to protect your landscaping.
If you’re shopping for homeowners
insurance and you have very expensive landscaping around your home, you may add
landscaping coverage to your list of requisites for homeowners insurance. You
may have to ask detailed questions of different insurance companies and agents
before you can find a plan that suits you, but knowing that you’ll be able to
replace your oak trees or heirloom rose bushes when disaster strikes will be
worth the extra time. Don’t, though, forget to price compare for plans that
protect your landscaping. Sometimes it may be worthwhile to go with a cheaper
plan that doesn’t give you as much coverage; you can always put back what you
save in premiums in order to have some backup savings specifically for your
landscaping. Home Insurance
One other way to look at this
dilemma is from the perspective of actually putting in new landscaping. Before
you buy the most expensive trees and shrubs, you might want to check your
homeowners insurance policy to see how much it will cover. That way, you’ll
know just how much financial risk you’re taking with these plants and trees,
and you’ll be able to plan your landscaping accordingly. Of course, you can put
in landscaping that isn’t covered by your homeowners insurance, but if you live
in an area where the risk of fires, floods, or major storms is high, we
wouldn’t recommend it.
Hopefully this will help you find
out whether or not your homeowners insurance policy covers your landscaping; if
it doesn’t, be sure that you look for that small detail if you go searching for
a new homeowners insurance policy. Happy planting! Home Insurance
