Home Home insurance Claims Does home insurance cover damage from fallen trees? Does home insurance cover damage from fallen trees? Damage caused by fallen trees is covered by home insurance, but there are some things you should know about your coverage. View Carriers Please enter valid zip Compare top carriers in your area Written by Michelle Megna Michelle Megna Michelle, the former editorial director, insurance, at QuinStreet, is a writer, editor and expert on car insurance and personal finance. Prior to joining QuinStreet, she reported and edited articles on technology, lifestyle, education and government for magazines, websites and major newspapers, including the New York Daily News. Reviewed by Leslie Kasperowicz Leslie Kasperowicz Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at Insurance.com. Updated on: May 20, 2024 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. Most standard homeowners policies pay for necessary repairs or replacement when falling objects, including trees and tree limbs, damage your insured property. This coverage generally includes costs to cut up and haul away the tree or limb, as well as debris removal. However, there are some times when the insurance company won’t cover tree removal and consumers have a lot of questions about how insurance works with a fallen tree. We’ve gathered those questions and answered them below. Insurance and fallen trees: Common questions and answers Here are some commonly asked questions, and the answers, about home insurance coverage of damage from falling trees and limbs. Will my insurance company to remove the tree that fell on my house? Yes. Your home insurance policy covers the cost of removing the tree from your premises if it fell on and damaged insured property. However it will not pay to haul away a limb that fell from a tree and damaged nothing A tree fell on my fence, but my insurer does not want to pay to remove it because it did not fall on my house. Is that right? No. The policy automatically covers “other structures,” for up to 10% of the amount of insurance on the dwelling. Other structures include such things as fences and outbuildings. Therefore, if the fence was damaged by the tree, the debris-removal provisions of your policy cover the cost of having the tree removed from your property. A tree fell down and landed in my yard. Will my insurance pay to remove it? No. The debris removal does not apply because the tree didn’t damage your property. My neighbor’s tree fell and landed in my yard. Will my insurance pay to remove it? No. It doesn’t matter who “owns” the tree. Again, debris removal does not apply because the tree didn’t damage your property. My tree fell into my neighbor’s yard and damaged his garage. Will my insurance pay for the damage and for removal? Generally, no. Your neighbor needs to file a claim with their own insurance company. However, fi your neighbor can prove that the tree was dead or diseased and you knew but failed to take it down, they could have a liability suit against you, in which case your liability coverage would kick in. An ice storm destroyed a beautiful old tree that will cost thousands of dollars to replace. Will my homeowners policy reimburse me for replacing it? No. The standard homeowners policy covers the loss of trees, shrubs and other landscaping as a result of fire, explosion, vandalism, and other such “named perils.” However, it does not provide coverage of trees and other landscaping against weather-related damage. A tree fell on my car. Will my homeowners policy pay for the damage to my car and to remove the tree? No. Home insurance policies do not cover vehicles. Since a car is not covered under your home insurance, the debris-removal provision of your policy will not pay to have the tree removed. You should contact your car insurance agent to make a claim for your damaged vehicle. Michelle MegnaContributor  . .Michelle, the former editorial director, insurance, at QuinStreet, is a writer, editor and expert on car insurance and personal finance. Prior to joining QuinStreet, she reported and edited articles on technology, lifestyle, education and government for magazines, websites and major newspapers, including the New York Daily News. QuickTake Home insurance claims: How to file and what you should know Is carpenter ant damage covered by homeowners insurance? Guide to the insurance claims history report (CLUE) Does homeowners insurance cover rotting wood? How to file a successful mold claim Does homeowners insurance cover a leaking washing machine? Does homeowners insurance cover water damage? Does home insurance cover lightning strikes? Does homeowners insurance cover tornado damage? Does homeowners insurance cover mold? Does home insurance cover roof damage from heavy snow? What is sewer backup insurance? Does homeowners insurance cover storage units? How do I find the homeowners insurance policy after a parent passes away? Can my homeowners insurance get canceled because my house is empty? Does home insurance cover accidental kitchen fires? Are pools and hot tubs covered by homeowners insurance? Can insurance companies enter your house or examine your car? Does homeowners insurance cover power surges and outages? How much do claims increase home insurance rates? Mistakes to avoid when filing a car insurance claim Don't get snookered by fake roof damage scams What to do when lightning hits your house Chain saw massacre: Insurance for downed trees My husband fell in our home and broke his ankle. Will our homeowners insurance cover this since the accident happened in our home? One of my trees fell into my neighbor's yard last night during a storm. It did not cause any damage. Do I need to call my home insurance company to file a claim? That's gross! Why home insurance won't pay for disgusting problems We left a faucet turned on in my home and it caused water damage Homeowners premiums fluctuate with community's fire-fighting ability The trouble with drunk friends See more > In case you missed it What is HO-6 condo insurance and how much does it cost? Average homeowners insurance cost by ZIP code in 2024 What is dwelling coverage and how much do you need? Personal liability insurance: What it is and why you need it Renters insurance quotes: Compare rates Hurricanes and home insurance: How hurricane insurance works How replacement cost coverage works when you file a claim How much do claims increase home insurance rates? Mobile home insurance cost and coverage in 2024 Homeowners insurance basics Home Insurance Advisor Cheapest homeowners insurance in 2024 How much flood insurance do I need? How to bundle home and auto insurance policies to save money The largest home insurance companies by market share Home insurance discounts for cheaper rates How much does dog liability insurance cost and do you need it? Do you have an emergency go-bag? Most Americans don’t 1/1 Related Articles Does homeowners insurance cover theft? By Nupur Gambhir Does home insurance cover fires from alternative heating sources? By Ashlee Tilford Guide to additional living expenses coverage By Lena Borrelli Homeowners insurance for seniors: A comprehensive guide By Chris Kissell Home insurance claims: How to file and what you should know By Chris Kissell Is carpenter ant damage covered by homeowners insurance? By Ashlee Tilford ZIP Code Please enter valid ZIP See rates