Does homeowners insurance cover landscaping damage?

Your homeowners policy may pay for damage caused by a covered peril, including fire and lightning, to your lawn and bushes, up to your coverage limit and minus your deductible.

Dwelling coverage or other structures coverage, may cover damage caused by fallen trees, resulting from a covered peril, up to your coverage limit and minus your deductible. If your tree fell due to a storm or strong winds and damaged an insured structure, the removal costs may also be covered. However, if your tree falls as a result of your negligence (such as a dead or rotting tree), the damage and removal costs likely won't be covered.

If a tree falls and causes damage to your car, your homeowners insurance typically won't cover the damaged vehicle. However, comprehensive coverage, under your auto insurance policy, may pay to repair or replace your car, minus your deductible. Likewise, if the fallen tree damages your neighbor's car, and it wasn't the result of your negligence, their auto policy's comprehensive coverage may cover the damage.

Trees, plants, and shrubs may be covered under your homeowners insurance if they're damaged by a covered peril, up to a specified amount of the limit that applies to your dwelling coverage and minus your deductible.

Depending on your insurer and policy, other structures coverage under your homeowners policy may pay for damage to your garden wall caused by a covered peril, up your coverage limit and minus your deductible.