Trees, Shrubs, and Other Plants
The standard ISO HO 2 and HO 3 policies also provide up to 5% of the dwelling policy limit for loss to trees, shrubs, plants, or lawns at the residence premises caused by the perils of:
- fire or lightning;
- explosion;
- riot or civil commotion;
- aircraft;
- vehicles not owned or operated by residents of the residence premises;
- vandalism and malicious mischief; or,
- theft.
