Answer:

Homeowners insurance does provide coverage for damage to trees, shrubs, plants, and landscaping. However, the amount of coverage can vary significantly from one policy to another.

Standard homeowners insurance policies often have a per-item limit as well as a per-incident limit. A basic policy may cover $250 per item with a maximum of $1,000 per incident. More generous policies may provide coverage of $500 or more per item, with a limit of up to 5 percent of the house's insured value.

Some insurers also offer a landscaping endorsement, which is added to the standard policy to increase the coverage limits. Of course, your premium will increase as you add extra coverage.

Landscaping coverage typically includes plants, shrubs, trees, and lawns. Mulch and supplies are generally not covered. Under a standard homeowners policy, your landscaping is protected from the following perils: fire, lightning, explosion, riot or civil disturbance, vandalism, criminal mischief, theft, and loss caused by motor vehicles or aircraft not owned or operated by the property owner.

Insect or pest infestation, wind damage, and other weather damage are typically excluded from coverage. Some endorsements may broaden the scope of coverage for landscaping.

Many homeowners policies provide a certain amount of coverage for removing downed trees following a storm. This coverage may be subject to a deductible and may only be applicable if the fallen tree caused damage to covered property.