Yard damage is almost unavoidable. Weather, kids, pets, and wildlife can all cause unexpected issues, leaving many homeowners wondering whether their home insurance will cover the repairs. Kalare Tech in New Windsor, NY, has the information you need.
Home Insurance Provides Peace of Mind
You have invested time and money into your property, including your trees, shrubs, and plants. Fortunately, home insurance often covers damage to landscaping as long as it is caused by a covered peril. This can provide a valuable financial safety net.
Common covered perils include lightning, explosions, fire, vandalism, theft, and damage caused by a vehicle.
Yard Protection Through Insurance
Home insurance generally covers damage to your home, and in many cases, it also includes protection for additional structures on your property. Examples can include sheds, fences, and driveways.
If your yard is damaged by a storm, a fallen tree, or another natural event, your policy may provide coverage as long as the cause is listed as a covered peril. Structures in the yard, such as a shed, fence, or detached garage, may also be included depending on your policy.
The Extent of Coverage
For example, if a neighbor’s tree falls into your yard and causes damage, your home insurance will typically help pay for tree removal and yard repairs.
The same is usually true if one of your own trees falls and damages your property. The insurance company will investigate the cause of the damage and, if appropriate, work with another party’s insurer to seek reimbursement.
Contact Kalare Tech Today
If you are shopping for home insurance, Kalare Tech is ready to assist. We proudly serve New Windsor, NY, and the surrounding areas. Call us today at 866-918-9938 to request a home insurance quote.
