Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.
Does home insurance cover tree damage?
Coverage is conditional on several factors — most importantly, how it fell.
Homeowners insurance can cover many types of tree damage and some tree removal, both to your property and your neighbors’. But some restrictions apply.
You should be covered for fallen trees and branches if they’re the result of a peril covered in your policy.
You won’t be covered if the tree fell as a result of pruning, or for damage caused by tree roots.
How homeowners insurance covers tree damage
The way insurance covers tree damage varies between policies, but generally the following applies:
You are covered if a tree or branch falls on your property due to a wind storm, lightning or other peril that’s included in your standard homeowners policy.
But you’re not covered for damage that’s considered a maintenance issue, such as not pruning back branches, or damage caused by tree roots.
Exclusions and exceptions
It will vary by policy, but some exceptions generally apply.
- You won’t be covered for falling trees and branches if the damage was caused by tree lopping or pruning, either by yourself or someone who was doing it with your approval.
- You won’t be covered if the tree fell due to root rot or was a danger before the event that caused it to fall.
- You likely won’t be covered if the tree fell from earth movement — earthquake, landslide, sinkhole and the like.
- You can be covered for tree root damage if it strangled water pipes, resulting in the release of liquid. You might be covered for the damage caused by the escaped liquid, but probably not for the pipe repairs.
Does homeowners insurance cover damage from a neighbor’s tree?
Typically your homeowners insurance will cover damage to your home regardless of where the tree came from if it’s otherwise eligible. It may, however, work with your neighbor’s insurance provider to make back some of its losses if the tree was a hazard before it fell.
If your insurer finds that your neighbor is responsible and is able to recoup its payment to you, you may even get your deductible back. Otherwise, nothing will change on your side of the claim — the damage will still be covered as if it had been a tree on your property.
Does homeowners insurance cover tree damage to a car?
If a tree lands on your car, it’s unlikely that a home insurance policy will offer coverage for the loss. Instead, you’ll want to check your car insurance policy. If you have a comprehensive plan, you should be covered against falling trees and debris.
Is tree removal covered by homeowners insurance?
Whether removal is covered depends on where and how the tree fell. A tree that fell on open land without hitting any structures likely isn’t something you can claim unless it fell due to a peril included in your homeowners insurance.
Even then, a hail, ice or wind storm taking down a tree may result in a denied claim if it didn’t hit any structures. Excluded perils, age and rot are almost always excluded, just as they are with claiming damage.
It’s also important to know that there are typically limits on how much a provider will pay to remove trees and other debris — and that you still need to pay the deductible. It may not make sense to file a claim if the deductible is more than the removal cost when no structures were damaged.
Compare homeowners insurance providers
You can likely claim damages to your house caused by falling trees as long as the fall is caused by an event that’s already covered by your homeowners insurance. Check with your insurance provider to fully understand what your specific policy covers.
Frequently asked questions about tree damage and home insurance
More guides on Finder
How much does umbrella insurance cost?
Get a low-cost policy for liability expenses that exceed your car or home insurance coverage.
Compare home renovation insurance
Transform your home without leaving insurance gaps while your home’s under construction.
How does a VIN affect car insurance?
Learn how insurance companies use identifying info from your VIN to set rates.
Compare full coverage vs. liability car insurance
Which type of car insurance policy fits your car and driving needs?
Will health insurance cover the COVID-19 vaccine?
Find out if your health insurance will pay for the COVID-19 vaccine when it’s released.
Denied life insurance
Learn the common health reasons that lead to denials and how to get life insurance anyway.
Asbestos and home insurance
Learn when your home insurance policy would and wouldn’t pay to remove this building material.
Car insurance for drivers 25 to 40 years old
Take advantage of the lowest minimum coverage rates by earning all the discounts you can.
It’s too late to insure for Hurricane Delta, but here’s what to do instead
With landfall expected Friday, know what your current policy covers and how to get federal government disaster relief.
Tree removal financing with credit cards
If you need to remove a tree from your property, consider paying with plastic.
Ask an Expert