How Additional Landscaping Can Affect Your Insurance

How Additional Landscaping Can Affect Your InsuranceEveryone’s dream is to have a yard full of beautiful landscaping for their entire community to see and enjoy every day. But have you ever thought of insuring your landscaping? Most homeowner’s insurance policies have limited and basic coverage for your additional landscaping projects. Many companies will limit the amount they are willing to spend on the landscaping efforts and the risks that arise. If you want to protect your beautiful yard, you should consider investing in the right policy after new landscaping projects.

What Is Included in Homeowners Insurance?

Homeowners insurance is a policy that provides coverage for disasters such as damage due to fire, lightning, hail, explosions, and theft. Policies tend to not cover floods, earthquakes, or damage caused by lack of routine maintenance. These policies usually provide funds if your home needs to be repaired or rebuilt due to the previously mentioned disasters.

Risks of Additional Landscaping

Adding new and improved landscaping to your front or backyard is exciting. As a homeowner, you must keep in mind one thing: if you add additional trees to your property, there is an increased risk for damage to your home. Fully grown trees have a greater chance to cause damage to your house due to additional exposure to natural forces, such as wind.  Your insurance company may not cover the removal of a recently planted tree that has fallen on your property.

Additional landscaping adds great beauty to your home. However, there comes a bigger risk of damage to not only your house, but to the landscaping as well. The money spent to create the beautiful scene outside your home is quite susceptible to damage because of the erratic weather. Purchasing additional insurance allows homeowners to be sure all parts of their property are covered, including their yard and landscaping.

Benefits of Additional Landscaping

Now the question is, do the benefits outweigh the risks? You may say the beauty of the landscaping trumps any risks that may arise on your property. Landscaping can also improve the curb appeal of your house, which has the potential to increase the value. Additional landscaping has enormous potential in the eyes of most homeowners. High-end landscaping is a component that makes a house feel like home. Landscaping allows you to customize your home on the exterior for all to see.

New and improved landscaping not only increases the value of your home, it affects the way you, as the homeowner, feel about your home. The more effort you put into the landscaping, the prouder you will likely be to show it off to everyone you know.

As a homeowner, you are investing a significant amount of time and money in a complete redesign of landscaping to your property. Be sure you protect it. It is an important aspect of your property if you’re willing to put an immense amount of effort into it. To learn more about what our homeowner’s insurance includes and if you should invest in additional landscaping insurance, contact the experts at TJ Woods Insurance.