Homeowners’ insurance policies typically cover the cost to replace trees, shrubs, and plants due to certain perils, such as fire, lightning, vandalism, theft, or civil commotion.
A deductible may have to be paid before coverage begins.
A homeowners’ policy might not cover damage to landscaping due to weather -- such as wind, hail or snow – floods, or by pests or disease. It also will not cover landscaping in a location other than your residence, such as a shared community garden.
Homeowners’ insurance may cover some of the costs to fix your home or another structure if a fallen tree damages it. However, it may not cover the cost to replace the tree. Also, the policy might not cover property damage if a tree fell due to rot or the owner’s lack of maintenance. Damage to your property due to someone else’s rotting tree may be covered.
Landscaping coverage also may pay for a tree or debris removal if caused by a covered peril.