What coverage amount does a homeowners policy provide for lawns, plants, shrubs, and trees?

The correct answer reflects the standard coverage limit for lawns, plants, shrubs, and trees under a homeowners policy. Generally, a typical homeowners policy includes coverage for these landscaping features at a rate of $500 for each individual tree, plant, or shrub that is damaged or destroyed due to specific perils, such as fire or vandalism. This limit is designed to help homeowners replace or repair their outdoor landscaping without a major financial burden, providing a clear delineation that recognizes the tangible value of these items while also acknowledging their common risk.

Other coverage amounts in the options are not standard for most homeowners policies in Wisconsin. The amount of $100 and $1,000 per item exceeds commonly found limits, making them inaccurate representations of typical coverage. The 10% of the Coverage A limit could refer to overall personal property opinions under certain conditions, but it’s not a standard way to value individual landscaping elements under the typical provisions of a homeowners policy.

Thus, understanding that $500 is the established limit for each tree, plant, or shrub helps clarify how policies are structured to provide targeted protection for specific assets within the home and surrounding properties.