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
Hardscape property is not defined; Merriam Webster online defines hardscape as: "structures such as fountains, benches or gazebos that are incorporated into a landscape", and references softscape. Softscape is defined as vegetation such as shrubs and flowers incorporated into a landscape. A review of hardscape materials at Home Depot included pavers, river rock, edging and fire pits. A Google search for "hardscape" returns sites providing pavers, retaining walls, and similar products. Solar lights were not included on any of the sites I reviewed.
If the solar lights are the kind you just stick in the ground that can be bought at the grocery store or Target, I would consider them personal property.