Insurance For Your Landscaping

If you have a yard, then chances are that you have a lot of plants and flowers that require a lot of care. You may have spent a considerable amount of time and money on the outcome, but did you know that your homeowner's policy may not cover the full cost of replacing all those plants?

Every insurance company has different coverage for landscaping. Some cover it only if the landscaping was damaged as part of an insured event like a fire or flood. Some also offer liability coverage for things like people tripping on new sod or bushes and suing you. And some policies include some basic landscaping as part of regular homeowner's coverage.

Does standard Homeowner’s cover landscaping damage?

You should be aware that if you have any expensive plants, mature trees, or landscaping, they are usually covered at a reduced rate (up to 5 percent of the value of the home) and only in specific circumstances.

If you make major changes to your property like planting a garden or building a deck, it may be smart to consider purchasing additional coverage for these improvements.

The average homeowner's policy does not cover your valuable plants and landscaping against damage caused by weather-related events and insects unless you purchase an additional rider for this type of coverage.

When to insure plants and landscaping

The more you spend on your landscaping, the higher the limit you should carry for your property insurance, as the costs of replacing these items are often high.

More expensive plants are often easier to steal or be damaged by weather or pests. Expensive irrigation systems are also more likely to be damaged by natural or man-made disasters.

If you have rare, expensive plants on your property, an expensive irrigation system on site, or any mature trees on your property consider raising the limit on your reimbursement coverage.

Other ways to protect valuable live assets:

Value Live Assets

There are many approaches to preserving a live asset. One is to plant a tree that will eventually grow to be the same size and shape as the one being replaced. Another way is to plan for maintenance during the lifetime of the tree, which can include assessing structural weaknesses, pruning dead branches and maintaining the root system. Another way is to plant a new tree in a protected location so it can grow up in relative safety.

Some live assets are protected because they don’t have any economic value but have significant ecological or social value. These may be protected with less expensive methods, such as physical barriers, fences or planting native plants that require little care.

Tree Maintenance

Large trees are not only great for the environment, but they are also aesthetically pleasing. They can also provide shade or shelter for your property. The problem is that they need to be carefully taken care of, especially when it comes to maintaining their health so that it can avoid any risks of falling and causing damage

The best way you can protect your mature trees is by making sure to give them plenty of water so that it can grow an adequate root system and provide a stable foundation. This will keep the tree stable in case there is a hurricane or tornado. You should also trim any dead branches that may fall and spread sickness throughout the tree itself. Lastly, you should check the tree periodically for cracks or swaying in order to determine whether it needs further care and attention.

Contact an arborist or tree maintenance service to get the best and most appropriate care for your trees.

Winterize Plants and Trees

Winterizing your garden is not something that you can postpone. If you wait too long, it will be much more difficult to maintain your garden in good condition.

  1. Keep Your Landscaping in Great Shape Year-Round
  2. It's Important to Drain Your Irrigation System Every Year
  3. Clear Leaves and Piles of Snow to Prevent Damage During Storms
  4. Be Aware of the Effects of Heavy Rainstorms on Your Trees and Shrubs
  5. Maintain Healthy Plants to Prevent Disease

Plan Your Outdoor Spaces

Homeowners should plan well for the protection of their beautiful gardens and outdoor spaces. A good line of defense for your home in the event of fire or extreme wind and rain is a well thought out outdoor space & landscaping which can protect your home in the event of fire or extreme wind and rain. The right landscaper can help you make the right plans for your outdoor spaces.


A wide variety of plants, shrubs, and flowers will help protect your landscaping from pests and diseases. Often time pests or diseases will only attack a single type of plant. By planting a wide variety of plants, you can ensure that you are not susceptible to these types of issues and avoid losing large chunks of your landscaping if there is an outbreak or infestation.