Final answer:
An HO3 homeowners insurance policy generally has specific sub-limits for trees, shrubs, and plants, which is often around $500 per item, but it's important to check the specific policy for exact amounts.
Step-by-step explanation:
The question pertains to the specifics of an HO3 homeowners insurance policy, which covers the structure of the home, personal belongings, and liability. When referring to the maximum amount for any one tree, shrub, or plant under an HO3 policy, this is typically a sub-limit within the policy that is less than the overall coverage limit for personal property or dwelling coverage.
While the specific amount can vary depending on the policy and the insurance provider, a common sub-limit for trees, shrubs, and plants might be $500 per item. However, individuals should check their specific policy documents or consult with their insurance agent to determine the actual sub-limit for their coverage.