Does home insurance cover all exterior elements?
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A standard policy may also provide some limited coverage for landscaping. You can obtain additional coverage for landscaping by purchasing an endorsement on the home insurance policy.
Keep in mind, though, that home insurance does not provide coverage for some types of losses, such as damage from floods and earthquakes. You need separate policies or riders to provide insurance for damages not covered by the standard policy.
Additional home insurance coverage
In addition to the home and "other structures," home insurance also provides coverage for things such as:
Additional living expenses if you can't live in the home following a disaster
Financial protection against lawsuits
Coverage of medical bills for guests who are injured at your home
It's important to let your insurance company know about all the amenities on your property to make sure you have enough coverage. If you have a swimming pool or hot tub, for instance, you probably should purchase additional liability protection through an umbrella insurance policy in case someone is injured and sues you.
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