For which type of losses are trees, shrubs, plants, and lawns not covered under the policy?

When it comes to homeowners' insurance policies, coverage for trees, shrubs, plants, and lawns is often limited and subject to specific exclusions depending on the cause of loss. In this context, windstorm is the correct answer because most standard homeowners insurance policies typically do not cover damage to landscaping due to wind-related events. While wind can cause significant harm to trees and shrubs, insurers often consider these types of losses as part of the broader definition of property damage that might not be included in the basic coverage forms.

Fire, explosion, and earthquake, on the other hand, are typically covered causes of loss where landscaping could potentially be included in the coverage. For instance, if a fire damages your property, any trees or shrubs that are destroyed as a direct result may be compensable. Similarly, damage caused by an explosion could also involve the surrounding landscape if it directly affects the area.

Therefore, in terms of property insurance coverage specifics, losses due to windstorms generally result in the exclusion of trees, shrubs, plants, and lawns from coverage, making it the correct answer for this question.