Does Homeowners Insurance Cover Trees I Planted?

As a homeowner, you may wonder whether your homeowners insurance policy covers trees that you have planted on your property. The answer is not a simple yes or no. In this article, we will explore the various factors that determine whether your insurance will cover damage to your planted trees.

Tree Coverage in a Homeowners Insurance Policy

Most standard homeowners insurance policies cover damages to trees caused by specific perils like fire, lightning, and windstorms. However, this coverage typically applies to trees that are not on your property. In other words, insurance policies generally do not provide coverage for trees planted by the policyholder.

Factors That Determine Tree Coverage

Some insurance companies offer additional coverage for trees on your property, but the terms and conditions vary. As a homeowner, it's essential to know what factors determine your tree's coverage. Here are a few:

The cause of the damage: If the damage is deemed an act of God, your policy may cover it. However, if the destruction was caused by negligence or lack of maintenance, you may not receive any compensation.

The location of the tree: A tree that is too close to your home or power lines may not be covered by your policy, even if it meets all other qualifications.

The value of the tree: Some policies only cover trees that are of a certain age or value. You will need to check with your insurance company to see whether your tree meets their qualifications.

How to Ensure Your Trees Are Covered

If you want to make sure that your planted trees are covered in case of damage, you have a few options. You could purchase additional riders to your existing policy to cover specific trees. You could also invest in tree insurance policies such as TimberGuard, a specialty insurance policy designed to cover hardwood tree plantations.

The Importance of Proper Tree Maintenance

Regardless of coverage, maintaining your trees is vital. Neglected trees are more susceptible to disease, pest infestations, and damage from harsh weather conditions. Proper tree maintenance will not only help keep your trees healthy, but it will also minimize the risk of damage to your property from falling limbs or trees.

Conclusion

While homeowners insurance typically covers damage to trees caused by specific perils, coverage for trees planted by the policyholder is often limited. To ensure your planted trees are covered, you may need to purchase additional riders or invest in separate tree insurance policies. Regardless, proper tree maintenance is essential to minimizing your risk of damage and maintaining the health of your trees.