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Gardens rarely come up when people think about home value and insurance. What’s out of sight tends to stay out of mind, but if you’ve put real effort into your yard, it’s worth asking: Does flood insurance cover your flowers, fruits, and vegetables?
The short answer is usually no, and here’s why that matters.
What Flood Insurance Actually Covers
Flood insurance policies are designed to protect the home itself and its contents, typically up to a set coverage limit. Outdoor gardens generally fall outside that scope. If you read through your policy closely in Lansing, IA, you’ll likely find no mention of gardens at all.
That said, it’s worth reaching out to your insurer directly. Some companies may be willing to discuss amending your policy language to account for a garden you’ve invested significant time and money into.
Why This Catches So Many People Off Guard
If you have a green thumb, think about everything that’s gone into your outdoor space: seeds, water, hours of labor, and space you’ve carved out specifically for growing. It’s a real investment, even if insurers don’t always see it that way.
Some insurers treat garden areas similarly to swimming pools or other outdoor features, meaning they fall outside standard coverage. A close read of your policy may reveal that plant growth isn’t covered, and in many cases, your lawn, flower beds, shrubs, trees, and broader landscaping aren’t either.
Have questions about what your flood policy actually protects? Kerndt Brothers Insurance Agency serves the greater Lansing, IA, area and can walk you through your coverage. Call 563-538-4207 for a customized quote.
