Your garden is an integral part of your home, but did you know your home insurance policy can also protect it? While home insurance primarily covers the structure of your house and its contents, it can also extend coverage to your garden and outdoor belongings under certain circumstances in and around the Colleyville, TX region.

Coverage for Garden Damage

Home insurance typically covers damage to your garden caused by fire, lightning, vandalism, or theft. This coverage may include reimbursement for repairing or replacing damaged plants, trees, shrubs, and landscaping features within your garden.

Additional Living Expenses

Suppose you lose your home to a disaster such as a fire and must relocate temporarily. In that case, your home insurance policy may also include coverage for additional living expenses. This could encompass the cost of renting a property with a garden or reimbursing you for expenses related to maintaining a garden while you are displaced.

Liability Protection

Home insurance also typically includes liability protection, extending to your garden. Suppose a visitor to your property is injured while in your garden and holds you liable. In that case, your home insurance policy may cover fees from the medical expenses associated with a liability claim.

Coverage Limits and Exclusions

Reviewing your home insurance policy to be aware of all exclusions related to your garden is essential. Your insurance provider can help you with this. Some policies may limit the coverage available for garden damage, while others may exclude coverage for certain types of plants or landscaping features. Each circumstance varies.  

Let Jason Ridley Agency Give You Information

Jason Ridley Agency is here to assist you with all your home insurance queries and requirements. We’re dedicated to serving the Colleyville, TX region. Reach out to us today.