{"id":638,"date":"2023-03-29T11:58:32","date_gmt":"2023-03-29T15:58:32","guid":{"rendered":"https:\/\/elliottinsuranceservices.com\/blog\/?p=638"},"modified":"2023-04-27T09:59:56","modified_gmt":"2023-04-27T13:59:56","slug":"does-home-insurance-cover-landscaping","status":"publish","type":"post","link":"https:\/\/elliottinsuranceservices.com\/blog\/2023\/03\/29\/does-home-insurance-cover-landscaping\/","title":{"rendered":"Does Home Insurance Cover Landscaping?"},"content":{"rendered":"\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/elliottinsuranceservices.com\/blog\/wp-content\/uploads\/2023\/03\/pexels-pixabay-259588.jpg\"><img decoding=\"async\" width=\"640\" height=\"426\" src=\"https:\/\/elliottinsuranceservices.com\/blog\/wp-content\/uploads\/2023\/03\/pexels-pixabay-259588.jpg\" alt=\"Landscaping and insurance\" class=\"wp-image-639\" srcset=\"https:\/\/elliottinsuranceservices.com\/blog\/wp-content\/uploads\/2023\/03\/pexels-pixabay-259588.jpg 640w, https:\/\/elliottinsuranceservices.com\/blog\/wp-content\/uploads\/2023\/03\/pexels-pixabay-259588-300x200.jpg 300w, https:\/\/elliottinsuranceservices.com\/blog\/wp-content\/uploads\/2023\/03\/pexels-pixabay-259588-624x415.jpg 624w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/><\/a><\/figure>\n\n\n\n<p>It can take you years to get your landscaping just the way you want it. Not only is there a time investment, but there is also money invested into getting your property looking fantastic.<\/p>\n\n\n\n<p>With this in mind, insurance is there to help you financially recover from unexpected events and to get you back to where you were prior to the loss. With the amount of money, you have put into your property, shrubs, and plants, it wouldn&#8217;t be unreasonable to look to your insurance policy in the event of a loss.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-69f46fd09d35e\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-69f46fd09d35e\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/elliottinsuranceservices.com\/blog\/2023\/03\/29\/does-home-insurance-cover-landscaping\/#Is_Landscaping_Covered_by_Home_Insurance\" >Is Landscaping Covered by Home Insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/elliottinsuranceservices.com\/blog\/2023\/03\/29\/does-home-insurance-cover-landscaping\/#What_Types_of_Landscaping_Would_be_Covered\" >What Types of Landscaping Would be Covered?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/elliottinsuranceservices.com\/blog\/2023\/03\/29\/does-home-insurance-cover-landscaping\/#What_Is_a_Covered_Loss\" >What Is a Covered Loss?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/elliottinsuranceservices.com\/blog\/2023\/03\/29\/does-home-insurance-cover-landscaping\/#The_Wrap_Up\" >The Wrap Up<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Is_Landscaping_Covered_by_Home_Insurance\"><\/span><a><\/a>Is Landscaping Covered by Home Insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Every insurance policy is different, and you should always double check with your broker regarding your specific policy. Generally, home insurance policies have built in coverage that will pay to replace certain types of landscaping in the event of a covered loss.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_Types_of_Landscaping_Would_be_Covered\"><\/span><a><\/a>What Types of Landscaping Would be Covered?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Typical home insurance policies will outline the types of landscaping items that would be covered in a loss. These are usually:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Trees<\/li>\n\n\n\n<li>Shrubs<\/li>\n\n\n\n<li>Plants<\/li>\n<\/ul>\n\n\n\n<p>Some companies may also offer coverage for items such as:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Landscaping rocks, ponds, and patios<\/li>\n\n\n\n<li>Professional garden design fees<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_Is_a_Covered_Loss\"><\/span><a><\/a>What Is a Covered Loss?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>A covered loss is a loss that is either explicitly included, or not explicitly excluded in your insurance policies wordings depending on your coverage form type. This topic can get complicated, so it is best to have your broker double check your specific policy to ensure you\u2019re getting the coverage you think you are.<\/p>\n\n\n\n<p>Examples of covered losses would be:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Fire<\/li>\n\n\n\n<li>Theft<\/li>\n\n\n\n<li>Vandalism<\/li>\n<\/ul>\n\n\n\n<p>Losses that are caused by incorrectly caring for the items, draught, snow, or wind will most likely not be covered.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The_Wrap_Up\"><\/span><a><\/a>The Wrap Up<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Hopefully you have learned something new about insurance after reading this article. If you don&#8217;t currently have a broker to explain your coverage to you, please <a href=\"https:\/\/elliottinsuranceservices.com\/contact-us\">contact us<\/a> to get a no obligation quote on your home insurance today.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>It can take you years to get your landscaping just the way you want it. Not only is there a time investment, but there is also money invested into getting your property looking fantastic. With this in mind, insurance is there to help you financially recover from unexpected events and to get you back to where you were prior to&#8230; <a href=\"https:\/\/elliottinsuranceservices.com\/blog\/2023\/03\/29\/does-home-insurance-cover-landscaping\/\">Read more &raquo;<\/a><\/p>\n","protected":false},"author":1,"featured_media":639,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[394,390,393,392,391],"class_list":["post-638","post","type-post","status-publish","format-standard","has-post-thumbnail","placeholder-for-hentry","category-home-insurance","tag-home-insurance","tag-landscaping","tag-plants","tag-shrubs","tag-trees"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/elliottinsuranceservices.com\/blog\/wp-json\/wp\/v2\/posts\/638","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/elliottinsuranceservices.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/elliottinsuranceservices.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/elliottinsuranceservices.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/elliottinsuranceservices.com\/blog\/wp-json\/wp\/v2\/comments?post=638"}],"version-history":[{"count":0,"href":"https:\/\/elliottinsuranceservices.com\/blog\/wp-json\/wp\/v2\/posts\/638\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/elliottinsuranceservices.com\/blog\/wp-json\/wp\/v2\/media\/639"}],"wp:attachment":[{"href":"https:\/\/elliottinsuranceservices.com\/blog\/wp-json\/wp\/v2\/media?parent=638"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/elliottinsuranceservices.com\/blog\/wp-json\/wp\/v2\/categories?post=638"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/elliottinsuranceservices.com\/blog\/wp-json\/wp\/v2\/tags?post=638"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}