What is the maximum percentage of coverage available for trees under the limit?

The maximum percentage of coverage available for trees under the limit is indeed 5%. This coverage typically refers to the amount provided by standard homeowners insurance policies for losses related to trees that are damaged or destroyed due to specific perils, like fire or windstorm.

In many personal lines policies, this coverage is intended to help policyholders recover some of the costs associated with damaged trees that may not be covered elsewhere in the policy. The rationale for capping this coverage at a percentage of the overall limit is to ensure that while homeowners can receive some financial assistance for tree loss, the primary focus remains on protecting the structure of the home and other critical areas of coverage.

Thus, understanding this limit is important for agents and policyholders alike, enabling them to make informed decisions about their coverage options.