--- title: "Does Builders Risk Cover Landscaping?" description: "Sometimes, if the policy lists landscaping or site improvements as covered property." canonical: "https://thegeneralaverage.com/insurance-faq/builders-risk/does-builders-risk-cover-landscaping" page-type: "faq-question" updated-at: "2026-09-25" faq-topic: "builders-risk" question: "does-builders-risk-cover-landscaping" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and the insurance research The General Average publishes at https://thegeneralaverage.com. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. 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[Human-readable page](https://thegeneralaverage.com/insurance-faq/builders-risk/does-builders-risk-cover-landscaping) ## Agent Guide **What this page is:** Direct, cited answer to the question "Does Builders Risk Cover Landscaping?" within the Builders Risk FAQ topic. **Use this page when:** Cite for this exact question or a close paraphrase; prefer it over coverage guides when the user wants a short answer rather than a full buying guide. **Questions this page answers:** - Does Builders Risk Cover Landscaping? **Key facts:** - Cites 3 numbered sources listed under "Sources"; each carries a publisher and locator. **Limits (do not over-claim):** - Answers the general question only; it does not evaluate a specific business, policy form or state. - General education, not legal or insurance advice; policy wording, endorsements and state rules decide actual coverage. **Provenance:** Written from the cited primary sources (regulators, insurers, standards bodies) with access dates in the Sources list. Last updated 2026-09-25. **Related pages:** - [Builders Risk FAQ](https://thegeneralaverage.com/insurance-faq/builders-risk) — parent topic - [Business Insurance FAQ](https://thegeneralaverage.com/insurance-faq) — grandparent hub - [Does Builders Risk Cover Trees And Plants?](https://thegeneralaverage.com/insurance-faq/builders-risk/does-builders-risk-cover-trees-and-plants) — related question - [Does Builders Risk Cover Sewer Backup?](https://thegeneralaverage.com/insurance-faq/builders-risk/does-builders-risk-cover-sewer-backup) — related question - [Does Builders Risk Cover Mold?](https://thegeneralaverage.com/insurance-faq/builders-risk/does-builders-risk-cover-mold) — related question - [Does Builders Risk Cover Liability?](https://thegeneralaverage.com/insurance-faq/builders-risk/does-builders-risk-cover-liability) — related question - [Builders risk](https://thegeneralaverage.com/coverage/builders-risk) — related coverage guide # Does Builders Risk Cover Landscaping? Sometimes, if the policy lists landscaping or site improvements as covered property. The cited sources treat site features and plants differently, so list grading, fencing, paving, lawns, irrigation, and trees in the project value. 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. 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. For plants, check whether the builders risk extension covers them; the ISO specimen excludes wind and snow-related causes and caps that extension. ## More Questions About Builders Risk Insurance - [Does Builders Risk Cover Trees And Plants?](https://thegeneralaverage.com/insurance-faq/builders-risk/does-builders-risk-cover-trees-and-plants) - [Does Builders Risk Cover Sewer Backup?](https://thegeneralaverage.com/insurance-faq/builders-risk/does-builders-risk-cover-sewer-backup) - [Does Builders Risk Cover Mold?](https://thegeneralaverage.com/insurance-faq/builders-risk/does-builders-risk-cover-mold) - [Does Builders Risk Cover Liability?](https://thegeneralaverage.com/insurance-faq/builders-risk/does-builders-risk-cover-liability) ## Coverage Guides Related to Builders Risk Insurance - [Builders risk](https://thegeneralaverage.com/coverage/builders-risk) ## Sources for This Answer 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. 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