Does Home Insurance Cover Plants?

Last Updated on April 27, 2022 by Andrew Lee

Plants are a beautiful addition to any home, and they can really brighten up a room. Many homeowners choose to have plants in their houses because of the aesthetic value they add. But what happens if something happens to your plants? If they get damaged or die, is your home insurance policy going to cover them?

In this blog post, we will explore whether or not home insurance covers plants. We will also discuss what happens if your plants are damaged or destroyed. So if you’re wondering whether or not your beloved plants are covered by your home insurance policy, keep reading!

Save Big on Homeowners Insurance

Compare the Best Insurance Companies Today:

When Plants Are Covered and When They Are Not

Most people are familiar with the standard features of a home insurance policy: it covers the physical structure of your home, as well as your personal belongings. But what about your plants? After all, they are living things that can be damaged or destroyed just like any other property. 

Fortunately, most home insurance policies will provide some coverage for plants. If your plant is damaged by a covered peril, such as a fire or theft, then you may be able to file a claim with your home insurance company. And if your outdoor plant is destroyed by a tree that falls on your house, that damage would likely be covered by your home insurance policy.

In most homeowners insurance plans, your trees, plants, and bushes are only covered for 5% of the entire property limit. Furthermore, you won’t be allowed to deduct more than $500 for a single item, no matter what the circumstances, even if it is harmed by a covered peril.

However, there are usually some limitations. For example, many policies will only cover plants that are considered to be part of the landscaping, and not those that are grown for consumption. In addition, coverage may be limited to a certain dollar amount per plant. So if you have a green thumb and want to make sure your plants are protected, be sure to check with your insurance agent to see what coverage is available.

Get Plant Coverage Specifically

While most home insurance policies will not cover damage to plants, there are some insurers that offer plant coverage as an endorsement. This means that you can add plant coverage to your home insurance policy for an additional cost.

If you have a lot of plants or if you have particularly valuable plants, it may be worth it to get this type of coverage. That way, if something happens to your plants, you will be able to file a claim and get reimbursed for the damage.

Before you add plant coverage to your home insurance policy, be sure to shop around and compare rates. Some insurers may charge more for this type of coverage than others. Again, be sure to read the fine print of the policy so that you know exactly what is covered.

How to Protect Your Plants

Even if your home insurance policy doesn’t cover damage to plants, there are some things you can do to protect them.

Properly Water Them

First, make sure that your plants are properly watered. This will help them to be more resilient and less likely to be damaged by things like wind or heat.

Give Your Plants Attention

Second, give your plants some TLC. Regularly check them for pests and diseases, and take care of any problems that you find. This will help to keep your plants healthy and strong.

Consider Plant Insurance

Finally, consider investing in some plant insurance. There are some companies that offer this type of coverage, and it can give you peace of mind knowing that your plants are protected.

The Bottom Line

Home insurance policies typically do not cover damage to plants. However, there are some exceptions, and you may be able to get plant coverage as an endorsement. If you’re concerned about your plants being damaged or destroyed, be sure you know how your policy works and what it covers, and reach out to your agent with any questions.

Find the Cheapest Home Insurance

Save on Homeowners Insurance: