Why You Need To Shop For A Homeowners Insurance That Covers Gardening Equipment

Having a garden is a great thing, but tending to it is another thing. Do you love gardens? Are you shopping for a home with a garden? Whether you plan to plant flowers or simply cactus or some kales, the point is you need to plan on insuring your yard.

A lot of time and money usually goes into tending your garden and the equipment you need also need money. In the case, your equipment breaks down does your homeowners’ insurance cover the repair or replacement costs?

When shopping for home insurance, you need to talk to your agent for the tiny bit details you think you need to address. Ask them if the insurance covers gardening equipment. In most cases, your garden is considered a permanent feature in your home and is, therefore, part of the coverage area.

In most cases, home insurance covers occurrences that are out of your control, such as floods. Maintaining your garden is not just about tending to it but ensuring it is covered together with the equipment you use.

Most equipment you use in your garden should be covered in your insurance. They are under personal property coverage. The limit set is usually between 50% -70% of your dwelling coverage limit. However, if they are not, you’ll need to take a home warranty to cover the costs of repair and replacement when your garden tools spoil. If you are taking a home warranty, you need to check if garden equipment is included if not, you need to add it to your home warranty.

Contents insurance

Contents insurance is sold hand in hand with homeowners insurance. It covers the items in your garden that are not permanent structures. In this case, your garden equipment falls under this category.

For such items to be covered, they need to be included in the contents list in your homeowners’ insurance policy. Talk to your agent about adding them in this cover.

General homeowners insurance

As mentioned, some policies will term your garden as a permanent feature in your home; hence, it will be included in your homeowners’ coverage.

Mostly, this coverage applies to when ‘acts of God’ occur, such as floods, winds, storms, and earthquakes. Such occurrences may lead to damages of your garden and equipment which may need replacement or repair.

Liability insurance

What happens when somebody trips on your rake or lawnmower and gets hurt? If you don’t have proper insurance, you’ll be forced to get money out of your pocket and pay for their hospital bills.

They could even sue you for the damages which could see you immerse yourself in debt. Homeowners insurance helps you get through such incidences.

In the case that you hire somebody to tend to your garden, you’ll need liability insurance to cover any of your workers.

There are two types of liability insurance: personal liability and medical payments coverage. For personal liability, it will help cover court costs in case the affected person sues you. Medical payments coverage covers the costs incurred on medical bills in case your worker gets injured by any of your equipment when working in your garden.

Always know what is and what is not covered in this particular cover because you have to disclose any hazardous items that could cause accidents.

Home Warranty

Aside from insurance, you may need a home warranty. Home warranties are annual contracts that cover the repair or replacement costs of appliances that are susceptible to wear and tear. Regardless of whether the specific items are new or not, they qualify for a home warranty.

Some companies give you the freedom to customize your plan to include only the things you need to be covered. It’s quite essential to include your gardening equipment in the warranty. If you are somebody who takes gardening seriously and you plant produce commercially, you may want to take a home warranty.

Some necessary gardening tools may include a coil garden hose, shovel, pruners, rakes, etc. Sometimes, these items may eventually give way and may not be up to the task again. They may not be repairable. If you have a home warranty, it’s easier to get a replacement depending on your service provider.

Just as you cover indoor appliances such as microwaves and refrigerators, you need to cover the risks involved in your gardening equipment as they are equally as important. Many companies offer home warranties you just have to look into what suits your needs.

Gardening is exciting, and you should be able to enjoy every bit of it. Getting options to cover some gardening costs is a great idea to reduce the weight of having to spend hundreds or thousands of dollars replacing or repairing.


Amelia Robinson is a lover of plants and gardens, as well as an educator on this topic. It’s her goal to make sure that you get the chance to learn what you need to about gardening to succeed with your own home garden at the blog RobinsonLovePlants.com. You’re not going to find just a collection of basic articles about gardening here. Instead, she wants to answer the difficult questions for you. She tweets at @robinsonplants

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