Landscaping in the rural and urban areas surrounding Las Vegas, NV, including trees, shrubs, plants, and other outdoor elements, plays a significant role in the appearance and value of your home. While homeowners insurance typically covers the structure of your house and personal belongings, it may also offer limited protection for landscaping. However, understanding the extent and limitations of this coverage is essential to ensure you are adequately protected.
What Landscaping Coverage Includes
Most standard homeowners insurance policies provide some coverage for landscaping, but the specifics vary. Generally, this coverage extends to damage caused by certain perils, like fire, lightning, property destruction, or theft. If a covered peril damages your plants, trees, or shrubs, your policy may pay for their replacement, typically up to a certain percentage of the dwelling coverage. For example, if the policy offers 5% of your dwelling coverage for landscaping and you have $300,000 in home insurance, you could receive up to $15,000 for landscaping damages.
It’s important to note that this coverage may have limits on the amount paid per tree or shrub. Additionally, some policies may cover the removal of fallen trees if they block a driveway or damage the house.
What Landscaping Coverage Excludes
While landscaping is often covered under homeowners insurance, there are exclusions. Damage caused by natural events such as floods, earthquakes, and windstorms is generally not covered unless you have a specific endorsement or policy for those perils. Routine maintenance, neglect, or poor upkeep of landscaping elements is also excluded.
Leo Insurance Group For Better Understanding of Insurance
Leo Insurance Group offers all of the information you need about getting insurance. Our agency serves locations in and near Las Vegas, NV. Call today.
