I have a homeowners claim where the brush fire damaged many items on the outside of the house. The solar lights were destroyed, State Farm has taken the position they are covered under Landscaping; which we have already exhausted the limits. I'm arguing they are personal property. They are not hardwired so they wouldn't be covered under dwelling.

Arizona Subscriber

You have an interesting question. In the coverage for trees, shrubs and landscaping, it covers: a. trees, shrubs, live or artificial plants, and lawns; b. artificial grass; and c. hardscape property used for aesthetic purposes not permanently affixed to realty

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