Loss or damage to lawns, trees, shrubs, and plants is covered on a limited named peril basis if caused by fire, lightning, explosion, riot or civil commotion, aircraft, vehicles (if not owned or operated by an insured), or vandalism and malicious mischief (excluding theft). This is an additional amount of insurance and is limited to a maximum of $500 per tree, shrub, or plant; or 5% of the amount of coverage on the dwelling per loss.