This includes your clothing, furniture, and appliances. These are usually protected against specific risks, which are laid out as “perils” in your paperwork. When your personal property is destroyed in a fire, your homeowner’s insurance will help to pay for repairs or replacement of the items. A standard homeowners insurance policy will typically cover your landscaping. You can be reimbursed for some of the value of your trees and shrubs if they are destroyed in a fire.
It is essential to read your policy and know what is covered. Suppose you didn’t do this ahead of the fire. In that case, you can go into your insurance company’s office and take your time to read through the paperwork, so you can take advantage of everything that you are entitled to.