Is Landscaping Covered Under Homeowners Insurance? 
In many cases , there is some limited coverage for shrubbery and trees , yes . The coverage may be limited to specific causes of loss or perils , and would be subject to your Homeowners ' Policy Deductible . In addition , coverage may be limited to a specific dollar limit within the terms and conditions of your policy . Fencing , above ground structures such as arches , pergolas , fountains etc , would have coverage , but generally speaking , surface installed patios , walkways etc , may not be included for coverage under the policy . 