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.
Coverage varies by policy and state. Contact your insurer to verify specific coverage details.