Does My Homeowners Insurance Cover My Yard?

Homeowners insurance typically covers the structure of your home, personal belongings, and liability, but is there insurance for your yard? Your policy may have limited coverage for landscaping. Basic policies usually cover landscaping only to a certain extent and it may be conditional to covered perils.

What does homeowners insurance cover?

  • Your yard may be covered depending on the type of damage that occurs. If the damage results from a peril such as fire, lightning, or theft, it will typically be covered.
  • Coverage may include damage caused by a vehicle that isn’t owned by a resident of the house.
    • Keep in mind that coverage may only help with the removal, not the replacement of the damaged landscaping.
Fallen trees
  • If a tree falls on your property due to a storm or strong winds and damages an insured structure, the removal costs will likely be covered.
    • However, if your tree falling was a result of the homeowner’s negligence or a maintenance-related issue, the removal costs likely won’t be covered.
Trees, Plants, and Shrubs
  • Trees, plants, and shrubs are typically covered by homeowners insurance. For other landscaping features, damages may be covered if they’re due to perils such as fire, explosions, lightning, theft, and vehicles.

If you have expensive landscaping or want more comprehensive coverage, then you may need to purchase additional coverage or a rider to your policy. 

If you have any additional questions about insurance for your yard, please don’t hesitate to reach out. We’re here to help ensure you have the information and protection you need throughout your remodeling journey.

At Raymond Nelson Insurance, we go the extra mile to find the coverage that best protects what matters most to you. We always take the time to get to know each client and also serve their best interests. Call us today at (270) 885-1800 or contact us online for more information.