Money may not grow on trees, but it can take a lot of green to make a garden look good. Vegetation in and around your home may be an afterthought when it comes to insuring your home, but your policy should match the level of care, work and funds you put in to your greenery.

Totally Money explains why it’s smart for some to talk to your insurance agent about covering your plants. A number of threats, ranging from natural to man-made, could harm your garden and landscaping. If you take a survey of what it would cost to replace your plants, you could be shocked at the figure. If it ever comes time to file a claim, it will help to have kept a running inventory of your plants’ value, documented with pictures.

Noting that thieves may target relatively easy-to-swipe potted plants, the writer recommends protecting your investments by sheltering them at night or when you’re away from home.

Protect your home inside – and out [Totally Money]

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