What You Need To Know About Landscaping Insurance

All of us who love our homes and the open spaces that surround them take great pride in the landscaping as well

. A lot of people spend much money on getting landscaping done and are extremely proud of the results of this landscaping work. While there is no doubting the fact that landscaping adds much beauty and value to our homes, we have to remember that landscaping is an expensive thing and the plants used in landscaping are valuable. If any part of the landscaping is destroyed, there is inevitably a great deal of financial loss involved. It is for this reason that insurance companies have started offering landscaping insurance for homes.

Landscaping comes under the personal possessions portion of the householders' policy. To be precise, landscaping falls under Coverage C of the homeowners' insurance policy. While personal possessions cover only from 50% to 70% of the householders' policy, landscaping can comprise only 5% of the entire householders' policy. This means that if the entire householders' policy is worth $100,000, landscaping can be insured for only about $5,000. There is also a limit on how much each tree or plant insured can cost. Whatever the cost of any exotic plants that may be used in the landscaping, no single plant can cost more than $500.

If you have especially valuable plants, you may consider an additional coverage built into your home insurance policy. In some states, in some exceptional cases, each plant or tree can be insured up to sum of $1000. These are for plants that are rare or hundreds of years old.

Any proud homeowner going in for landscaping insurance will naturally want to ask what calamities the landscaping is protected from. The answer is that the landscaping covers virtually all natural calamities but excludes disease or pests that may attack the plants. Insurance also does not cover any damage caused by winds.

As in the case of all other types of insurance, anyone going in for landscaping insurance must have a detailed discussion with the insurance agent regarding the terms and conditions of the insurance policy before signing on the dotted line. Also, take quotes from multiple companies and look for reviews of the companies you are in talks with before you decide which insurance company to go in for. Reviews are available online. Another good way to get reviews of insurance companies is to speak with people who are using the same kind of insurance. This is because while buying landscaping insurance is extremely important for anyone who has landscaped their homes, it is equally important to buy insurance from a company that is reputed and that is known for its honest practices.

Like most kinds of insurance policies, quotes for Landscaping Insurance are also available online. Most of the online insurance quotes websites offer insurance quotes according to the state in which you reside. To get a quote for landscaping insurance, you can call the insurance agent to evaluate your lawn or get an approximate quote online.

This article has been taken from http://garryhunt.blogspot.in/2012/10/what-you-need-to-know-about-landscaping.html

by: Garry Hunt

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