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Trees and Landscaping Coverage - Commonly Asked Questions

front yard with a tree and other landscaping

Understanding your homeowner insurance policy can be a daunting task. We know you may not have time to read every page, especially when you are looking for a specific piece of information. Often, we get questions regarding a particular situation, like damage from trees or other things that happen involving your landscaping and outside property. Here are some of the most commonly asked questions in that area, for easy reference.

Question: One of my trees fell on my home during a storm. Do I have coverage for tree removal?

Answer: Yes, if a tree fell and damaged a covered structure, the policy provides up to $500 for tree removal.

Note: The cost to cut or lift a fallen tree off of the "covered structure" and drop it to the ground is calculated as part of the cost to repair the "covered structure." The policy's $500 tree removal limit applies to the cost to remove the tree after it has been taken off the structure and dropped to the ground.

Question: One of my trees fell in my yard during a storm. Do I have coverage for tree removal?

Answer: Unless the tree damaged a "covered structure" (see question 1), the answer is no. There is no coverage for trees that are leaning or for trees that fall onto other plants or areas of your yard.

Question: One of my trees fell during a windstorm. Do I have coverage to replace the tree?

Answer: No, your policy does not include coverage for damage caused by the peril of "wind."

Did we miss a commonly asked question or something you've asked that you want everyone else to know too? Let us know, and we can add it here. For specific questions about your coverage, please contact us at 800-255-6792