Learn how your homeowners insurance covers your yard.
Your home is a safe haven away from all the stresses of your day. It’s the perfect place to relax and unwind. However, with the constant threat of disaster, it’s imperative that you get the right homeowners insurance. Not only does your homeowners insurance protect the structure of your home and its contents, but it also helps to keep your outdoor property safe as well. Find out how your homeowners insurance helps to keep your yard safe.
Fix Unattached Structures.
Not all of the structures on your property are attached to your home. Whether you have a detached garage, carport, or gazebo, most home insurance policies will give you coverage for all your unattached structures. However, be aware that there are limitations to your coverage. Most policies will generally give you about 10 percent of your total coverage to allocate toward your extra structures.
Repair Damaged Landscaping.
Depending on the cause of damage to your home, your policy may give you coverage to repair your damaged landscaping. Should a covered peril damage your trees, grass, shrubs, and plants, your home insurance will help to replace it. However, usually, only five percent of your dwelling coverage is allotted toward your landscaping damage.
Removal of Fallen Trees.
Tree maintenance is important. You need to stay up on keeping them well maintained so that they don’t pose a threat to your home. However, if a storm is responsible for knocking over a tree, causing damage to your home, your coverage will help to remove the fallen tree from your property.
When it comes to keeping your home safe and secure, it’s best to get the right homeowners insurance. It gives you the protection that you need to keep your home safe inside and out. Contact the professionals at NorthStar Risk Management & Insurance Services, Inc. in Walnut Creek, California for all your commercial and personal insurance needs.
