Rely on Your Homeowners Insurance for Yard Protection
As a homeowner, it’s likely that you’ve invested considerable money and time in your yard. Whether you have tall trees, luscious shrubs, and specialized drought-resistant landscaping, you value your yard and the hard work you’ve put into it. It’s only natural to want insurance protection for your outdoor property just as you have for the house itself. The good news is most home insurance policies cover your lawn, trees, and landscaping.
In standard home insurance policies, your yard is covered against:
- Fires
- Explosions
- Lightning
- Theft
- Vandalism
- And more!
Problems that are excluded from that list are often:
- Hail
- Wind
- Flood
- Pests and vermin
In most policies, “trees, plants, and shrubs” are not usually covered for more than 5 percent of the total dwelling coverage. For example, if the structure of your home (not your personal belongings) is insured for $500,000, you wouldn’t be able to file a claim for more than $25,000 to repair your landscaping.
If you have extensive and expensive landscaping, you can purchase an endorsement that will provide more protection for your plants, shrubs, and trees. An endorsement could even extend to any expensive gardening and landscaping tools and machinery you own.
Are you ready to find the right protection for your backyard? Talk to the professional team at Chambers & Company Insurance Brokers to determine the right homeowners insurance policy to suit your needs and home today.