---
title: "Does Builders Risk Cover Trees And Plants?"
description: "Sometimes, under a limited landscaping extension; the cited ISO form caps coverage for certain plants and causes."
canonical: "https://spot.insure/insurance-faq/builders-risk/does-builders-risk-cover-trees-and-plants"
page-type: "faq-question"
updated-at: "2026-09-25"
---

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# Does Builders Risk Cover Trees And Plants?

Sometimes, under a limited landscaping extension; the cited ISO form caps coverage for certain plants and causes.

Sometimes, under a limited landscaping extension. The cited ISO form covers certain trees, shrubs, and plants subject to specific causes and dollar caps; ask whether your policy includes the same protection. Oregon’s sample clause identifies certain permanent fixtures but does not establish a general grant for trees, plants, or land. If landscaping is part of the construction contract, list its value and ask whether living plants, sod, and trees are included, and for what causes of loss. Check exclusions for weather, drought, disease, and outdoor property, along with any per-item or aggregate sublimit. The ISO specimen actually provides a limited extension for lawns, trees, shrubs, and plants, subject to specified causes and per-item and occurrence caps; other forms may omit it. If landscaping is valuable, request the endorsement and itemize values. Check wind, snow, disease, and drought treatment and ask whether a landscape contractor’s policy covers plants before installation.

## Related Questions

- [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 Faulty Design?](https://spot.insure/insurance-faq/builders-risk/does-builders-risk-cover-faulty-design)
- [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. [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.
2. [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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