Coverage for Trees, Plants, and Shrubs

Many homeowners are under the incorrect impression that the insurance coverage on their dwelling extends in a similar fashion to their trees, plants, and shrubs. Unfortunately, homeowner policies limit the amount and types of losses that apply to these items.

The most common problem for trees is wind. This is typically not covered unless a tree is entirely uprooted. Lightning damage is typically covered but only up to $500 per occurrence.

Proper care for trees helps prevent these problems. Few homeowners have their trees thinned by a qualified arborist often enough. This helps lessen the risk of high winds creating an umbrella effect and damaging trees. Sick or dead trees should be removed to prevent injury or damage to nearby structures if they fall.

Contact our office with any questions you may have.