When it comes to home insurance, most people think about their house’s structure and personal belongings. But what about your beautiful landscaping? We often get questions about whether home insurance policies cover landscaping at Front Range Insurance Services, serving the greater Littleton, CO region with insurance products. Let us dig into this topic and find out what you need to know.

Understanding Landscaping Coverage

Landscaping, including trees, shrubs, plants, and hardscaping elements like pathways and retaining walls, can significantly enhance your home’s curb appeal. But is it protected by your home insurance policy? Generally, most standard home insurance policies provide some coverage for landscaping, but it’s crucial to understand the specifics.

What Is Typically Covered?

Most home insurance policies offer limited coverage for landscaping, usually up to a certain percentage of your dwelling coverage. If a covered peril, such as fire, vandalism, or certain natural disasters, damages your landscaping, you could receive compensation for the loss. However, this coverage often has a limit.

Exclusions and Limitations

It’s crucial to be aware of your policy’s exclusions and limitations. Damage from wind, hail, and disease is often not covered, and the cost to replace mature trees and plants may exceed the policy’s limits.

Enhancing Your Coverage

If you have invested significantly in your landscaping, you might want to consider additional coverage. Endorsements or riders can be added to your policy to provide extra protection for your landscaping investments. This ensures that you’re fully covered in the event of unexpected damage.

At Front Range Insurance Services, we believe in protecting every aspect of your home, including your beautiful landscaping. For personalized home insurance in the greater Littleton, CO, area, contact us.