Home insurance is designed to protect us, knowing we have coverage in the event of a disaster or other incidents, like theft and vandalism. However, the structure that is our home and our belongings doesn’t constitute the entirety of our home. The surrounding property is also our home, even though home insurance doesn’t cover the land itself. That begs the question: Does home insurance cover landscaping? Let’s take a closer look at what you can expect when you buy a home insurance policy. If you’re ready to start shopping around and you need support, start your journey with us at S & S Insurance Services Inc., serving Oklahoma City, OK.
Will My Home Insurance Policy Cover Damage to Landscaping?
Most standard home insurance policies don’t cover much when it comes to landscaping, but they do provide some protection. Limited coverage may extend to certain elements, such as trees and shrubs, with claims being limited to conditions covered by your policy for other parts of your home, including fire, theft, and vandalism. There are numerous exceptions to landscaping rules. The good news? You may be able to find a policy provider who can extend additional coverage for landscaping, ensuring that all your hard work and property outside have added protection. Take care to negotiate what you want. If you can’t find it, there’s likely a policy provider out there who offers what you need to cover your home, including increased protection for trees, shrubs, plants, and other lawn features.
Start Shopping for Home Insurance with S & S Insurance Services
We here at S & S Insurance Services Inc., serving Oklahoma City, OK, enable you to shop for home insurance without the challenge of finding and comparing quotes on your own. Compare quotes with us today to find a home insurance policy that will cover your home and other crucial elements of your property.
