What is the individual dollar amount limitation for trees, shrubs, and plants under the Dwelling Policy Broad and Special Forms?

The individual dollar amount limitation for trees, shrubs, and plants under the Dwelling Policy Broad and Special Forms is indeed $500. This limit reflects a specific provision that insurers typically include in their policies to protect homeowners from potential losses within their gardens or landscapes.

The $500 limitation means that if a covered event, such as a fire or storm, damages or destroys a tree, shrub, or plant, the homeowner will receive reimbursement up to that amount per individual item. It demonstrates the importance of understanding policy provisions when considering property insurance, as various items and categories have different coverage limits and exclusions that can significantly impact a claim.

This limitation ensures that there remains clarity regarding what policyholders can expect in terms of coverage for landscaping, encouraging homeowners to be aware of their property’s worth and to consider additional coverage if their landscape investments exceed this threshold.