I Have a Beautiful Garden at Home – Is It Covered by Insurance?

November is the best time to plant a garden in Florida, as temperatures are more moderate and rainfall decreases. It’s the perfect time to plant the lawn you’ve always wanted and even grow roses of all colors.

When we see homes with beautiful gardens, we often overlook the work, care, and cost involved. What some homeowners may not know is that a home garden is covered by most homeowners insurance policies.

That’s right—if your garden or lawn is damaged by a risk covered by your policy, a standard homeowner’s insurance will cover it. For example, if a fire damages your garden, if someone vandalizes your plants, or if damage is caused by a car accident or hail, your garden will be covered. All you need to do is prove the cause of the damage to your insurer.

It’s important to note that the cause of damage is crucial when filing a claim. If the lawn or garden deteriorates due to flooding or an insect infestation, it won’t be covered, as these risks are excluded from most homeowners insurance policies.

Now you know—your homeowner’s insurance protects that beautiful space you’ve worked so hard to create and maintain.

If you have any questions about reducing your homeowner’s insurance cost, contact Univista Insurance.