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Does home insurance cover garden walls?
I know my home insurance policy covers certain aspects of landscaping. My garden walls are starting to crack and they’ll need to be replaced. Will home insurance cover garden walls?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
You’re right! Home insurance will cover certain aspects of landscaping. In most situations, though, home insurance likely won’t cover garden walls.
Your yard and other structures, like sheds or garages, are covered by your home insurance policy. For example, if a
covered peril
damages trees, shrubs, or bushes in your yard, your home insurance will normally pay out a specific amount towards their replacement. If a tree falls due to a covered peril, your insurance would also pay to remove it. That said, garden walls are structures that should be maintained by the homeowner. Cracking or settling is typically considered something that occurs due to old age or lack of maintenance, which home insurance won’t cover.
Even so, every insurance company is different. To confirm what is and isn’t covered, check your home insurance policy’s terms and conditions or reach out to your insurer!
If you find your garden wall isn’t covered and you’d like to expand your coverage in the future, use
Jerry
. Jerry is the easiest and most effective way to find a home or renters insurance policy that is customized for you. You can even bundle your policy with your car insurance for the most savings. After providing you with a comprehensive cross-analysis of the best policies across providers, Jerry will handle the phone calls, paperwork, and renewals for your top pick so that you don’t have to. They even help cancel your old policy!
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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