Home Insurance and Landscaping
When looking for the right homeowner’s insurance policy, you may only be thinking about investing in enough coverage for your home and assets. However, you should also be thinking about finding coverage for your landscaping. With the hours of work and hundreds of dollars you have put into making your yard look its best, you want to make sure that your landscape is protected with your home insurance policy.
Since landscaping helps to increase the value of your home, it will most likely be covered under Coverage C in your home insurance policy. Coverage C will provide protection for personal property, which includes your landscaping. It is important to keep in mind that the personal property coverage will only provide protection for 50 to 70 percent of the amount that your home is insured for.
While Coverage C will provide protection for many items, there are specific landscaping plants that will not be covered under the policy. Plants, trees, and shrubs that are included in your landscaping are typically only covered for 5 percent of the entire value of your homeowners insurance. Your policy may also provide a dollar limit on each plant, tree, or shrub, which is typically around $500 for each of the items. Before you plant a rare tree that is worth thousands of dollars in your yard, make sure to talk with your insurance agent to ensure that you will have enough coverage. You may have to raise the limits of your policy to make sure that you are fully protected.
For all of your homeowners insurance coverage needs, contact the insurance experts at Idaho Insurance / Affordable Insurance in Caldwell, Idaho. We will work with you to ensure that you have the protection that you deserve, all at the right price.