Click to Call
T.D. McNeil Insurance Services

110 Blue Ravine Rd, Suite 105,
Folsom, CA 95630

Get Directions

Landscaping and Gardens in California: When it Needs its Own Insurance

It doesn’t matter where you go in California. Residents are taking excellent care of their landscaping. There is something special about the gardens here. Homeowners pride themselves on being able to up the ante on their curb appeal or backyard oasis. It would be devastating if something happened to it, whether through theft, accident, or natural disaster. Do you know how much of your gardens are covered by your home insurance? 

T.D. McNeil Insurance Services has been serving Folsom, CA for years. We do know when your home insurance covers your beautiful landscaping and when it needs its own.

What is Covered by Your Homeowner’s Policy

Your homeowner’s policy will cover some of your gardens and landscaping. This is your standard garden work, which your policy will specify. Generally speaking, this includes shrubs, bushes, trees, and some flower beds.

What you can not claim for is something that would happen naturally in any garden. If you experience damage due to insects, for example, you can’t file a claim for that.

What Isn’t Covered by Home Insurance

When you have something special in your garden that is rare, has a high value, or is very old, then you need a separate insurance policy or a rider on your home insurance. This may not necessarily be a plant or live botanical. It could be an irrigation system, security, or something that might be considered a live asset or protecting one.

If you’ve had a 100-year-old tree transplanted into your landscape design, you should get separate insurance or policy for that. You may also have something like an asset such as foliage or plants that you inherited that have a value greater than what your homeowner’s insurance would cover.

Get a Quote

If you aren’t sure what your home insurance will cover with your gardens, give us a call. T.D. McNeil Insurance Services serving Folsom, CA has been protecting the landscapes of California for years.

Servicing States



Our Partners
  • foremost
  • Hudson
  • Kemper
  • Liberty Mutual
  • Mercury
  • Metlife
  • National General
  • Personal Umbrella
  • Progressive
  • Safeco
  • Stillwater
  • The Hartford
  • Travelers