Outdoor trees, shrubs, and plants are insured for all of the following perils, except one. Pick the exception.

Outdoor trees, shrubs, and plants are typically insured against various perils, including vandalism, riot, and lightning. However, when it comes to coverage against windstorm, it is often excluded. This exclusion often stems from the fact that windstorm damage can be widespread and difficult to assess in terms of individual items, thus leading many insurers to limit or exclude coverage for landscape items during such events.

In contrast, vandalism and riot are typically covered as they are generally seen as specific acts that can be directly linked to damages to these types of property. Lightning, similarly, is considered a covered peril as it tends to be a more isolated and identifiable cause of damage. Understanding these distinctions is crucial for recognizing what types of coverage your property may be protected against, as well as the limitations that exist within those protections.