Answer:

In general, yes. Though the land itself is excluded, your homeowners policy provides broad protection for the personal property and structures located in and around your yard. A standard homeowners policy includes several types of coverage:

• Coverage A: Insures your home, including an attached garage or room addition, against physical damage
• Coverage B: Covers other structures on the premises, including detached garages, fences, swimming pools, and driveways
• Coverage C: Covers your personal property and household possessions
• Coverage D: Covers loss of use and various items such as debris removal, tree replacement, and shrub replacement

Check your policy or call your insurer if you have any questions about what's covered and what's not.

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7/26/23