What is the maximum coverage limit for trees, shrubs, and plants in a dwelling policy?

The maximum coverage limit for trees, shrubs, and plants within a dwelling policy is indeed 5% of Coverage A. This means that if you have a dwelling policy with a Coverage A limit of, for example, $200,000, you would be eligible for up to $10,000 in coverage for trees, shrubs, and plants—5% of the dwelling's coverage amount. This feature is significant as it reflects the policy’s intent to provide protection for landscaping, which can be an important part of a homeowner's property value.

The percentages in dwelling policies are designed to give homeowners a reasonable level of coverage for their landscaping while also managing the overall exposure of the insurance company. Other options, such as fixed amounts per item or total, may have limits in different types of coverages but do not accurately represent the specific percentage provision that applies to trees, shrubs, and plants in a standard dwelling policy.