Homeowners insurance covers fallen trees when they damage your home or other insured structures and the cause is a covered peril like wind, lightning, hail, fire, vandalism or a vehicle crash. Your insurance pays for both repair costs and tree removal when:
- A storm knocks a tree onto your house, garage, fence or shed.
- A tree falls due to fire, explosion, lightning, aircraft, riot, vandalism, theft or a non-owned vehicle and lands on your property.
- A neighbor's tree falls onto your home or yard due to a covered event.
The tree's origin doesn't matter for coverage purposes. Whether it came from your yard, a neighbor's property or a nearby lot, your insurer pays to remove the tree as long as the event is covered and damage occurs.