Landscaping can be easily damaged, whether by severe weather or intentional acts such as vandalism. Strong winds can uproot trees, storms can destroy plants, and garden decorations can be stolen. If you live in Palm Coast, FL, your home insurance policy may offer some protection, depending on the type of damage and the coverage you have.

Covered Perils

Some home insurance policies extend limited coverage to landscaping, but the details vary by company. It is important to speak with an agent at All Counties Insurance Agency and Traffic School to understand whether your policy includes protection for landscaping features.

Coverage usually applies only when the damage is caused by a covered peril. Many policies include perils such as wind, fire, and theft. However, insurers may have specific rules regarding which landscaping losses qualify. Your agent can explain which events are covered under the perils section of your policy.

Neglect Is Excluded

Home insurance does not cover damage caused by neglect or lack of maintenance. For example, if you know a major storm is approaching but leave fragile lawn decorations outside, the insurer may classify the loss as preventable. Wear and tear is also excluded, meaning aging or dying plants are not eligible for coverage.

Coverage Limits

Landscaping coverage typically has lower limits than other areas of the home. Many policies cover only a small percentage of the overall dwelling coverage amount, typically around 5%. This may not be enough to replace hardscaping features or custom landscape designs.

Before a storm or other event occurs, it is a good idea to estimate the value of your landscaping. Speaking with an insurance agent can help you determine whether you need additional coverage to protect your property.

The agents at All Counties Insurance Agency and Traffic School are here to help you understand your policy and determine whether your landscaping is adequately protected. Contact us today to review your coverage. We proudly serve the Palm Coast, FL area.