---
title: "Does Builders Risk Cover Landscaping?"
description: "Sometimes, if the policy lists landscaping or site improvements as covered property."
canonical: "https://spot.insure/insurance-faq/builders-risk/does-builders-risk-cover-landscaping"
page-type: "faq-question"
updated-at: "2026-09-25"
---

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# Does Builders Risk Cover Landscaping?

Sometimes, if the policy lists landscaping or site improvements as covered property.

Sometimes, if the policy lists landscaping or site improvements as covered property. The cited sources treat site features and plants differently, so ask about trees, lawns, irrigation, paving, and fencing specifically. Oregon’s sample clause lists some permanent site features and fixtures, but the ISO form’s property definitions and exclusions control what the issued contract insures. Separate installed site improvements from land itself, which is not ordinarily insured as building property. Ask about grading, fencing, paving, lawns, irrigation, and trees in the project value. Verify whether outdoor property has a sublimit or weather restriction and whether the property is at the described jobsite. If landscaping is included in the construction contract, the landscape contractor’s installation floater may cover plants or hardscape during delivery and installation, subject to its wording. Ask whether the builders risk extension covers lawns, irrigation, fencing, paving, or grading, and note that the ISO specimen’s plants extension excludes wind and snow-related causes and carries a stated cap.

## Related Questions

- [Does Builders Risk Cover Trees And Plants?](https://spot.insure/insurance-faq/builders-risk/does-builders-risk-cover-trees-and-plants)
- [Does Builders Risk Cover Sewer Backup?](https://spot.insure/insurance-faq/builders-risk/does-builders-risk-cover-sewer-backup)
- [Does Builders Risk Cover Mold?](https://spot.insure/insurance-faq/builders-risk/does-builders-risk-cover-mold)
- [Does Builders Risk Cover Liability?](https://spot.insure/insurance-faq/builders-risk/does-builders-risk-cover-liability)

## Related Coverage

- [Builders risk](https://spot.insure/coverage/builders-risk)

## Sources

1. [Glossary of Insurance Terms](https://content.naic.org/glossary-insurance-terms). National Association of Insurance Commissioners; Builders’ Risk Policies; Business Interruption; Commercial General Liability; Contractor Equipment Floaters; Allied Lines. Accessed 2026-09-25.
2. [Builders Risk Coverage Form](https://assets.touchpointmarkets.com/e8/58/dec27c1b462c8227b4693fb8ac81/ih-00-70-05-17-builders-risk-coverage-form.pdf). Insurance Services Office, Inc.; hosted by Touchpoint Markets; IH 00 70 05 17, A.1.c and A.2 pp. 1–2; A.3 and A.4 pp. 2–5; A.5 and A.6 pp. 5–8; B.2–3 pp. 10–11; C–E pp. 12–13; copyright 2017, illustrative specimen. Accessed 2026-09-25.
3. [Insurance Clauses – Builders Risk](https://www.oregon.gov/das/risk/pages/insclausesbldrsrisk.aspx). Oregon Department of Administrative Services; Builders Risk: Clause, When do they apply?, Notes, Additional Information; Builders Risk Installation Floater. Accessed 2026-09-25.

More answers: [Builders Risk Insurance FAQ](https://spot.insure/insurance-faq/builders-risk).

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