Your home is more than just the structure itself. Having the right type of insurance in place allows you to protect all components of this asset. What about your landscaping?
There are some situations where home insurance can cover damage to your landscaping. At Fida Insurance Group, we will help you choose coverage that aligns with all of your goals. Learn more about how we can help you with home insurance in Monroe, CT, by contacting us.
When Does Home Insurance Cover Landscape Damage?
Your home insurance policy may provide protection to your landscaping when a covered peril occurs. Some of the most common instances include fires, lightning, and vandalism. If someone strikes your home with their vehicle, you may be able to file a claim to cover your losses to repair your home as well.
But it is important to know that limits exist. Most policies do not cover pest infestation, flooding, hail, or windstorm damage in landscape damage. If your home suffered snow or ice damage, that also is not likely to be covered. It also does not cover damage that results from negligence, such as failing to maintain the structures or plants.
How to Protect Your Home
If you are facing damage to your landscaping and you believe the insurance policy should be applicable, give your agent a call to discuss your options. Keep in mind that insurance policies often have per-incident limits. And your policy may be very different.
If you want to upgrade your home insurance in Monroe, CT, to include more of the risks your structure faces, contact our team. Let us explore all types of coverage available and applicable to your needs. Our home insurance coverage for landscape damage can protect what you worked hard for. Call Fida Insurance Group now to learn more.
