What is the coverage limit for trees, shrubs, and plants under a homeowner's policy?

The correct answer is rooted in the specifics of coverage limits provided by a typical homeowner's policy for trees, shrubs, and plants. Under many standard homeowner's insurance policies, there is a coverage limit that applies to these items, typically set at a specified dollar amount per item (in this case, per tree) and also related to a percentage of the dwelling coverage, known as Coverage A.

In this instance, the limit of $500 per tree, along with the 10% of Coverage A maximum, is a common industry standard. This setup allows homeowners to claim for damage to their landscaping in the event of certain covered perils such as fire, lightning, or vandalism, while also imposing a cap on the total claim amount based on the overall coverage for the dwelling.

This structure provides both clarity and security for the policyholder, ensuring that while they have financial protection for their landscaping, there is a limit to this coverage that correlates with the primary coverage amount on their home, which prevents excessive claims specifically for non-structural items.