If a tree falls on your house, are you covered?

If a tree falls on your home or any insured structure, such as a garage, your Homeowners insurance typically covers damage to both the structure and its contents, regardless of tree ownership. This includes damage from wind, lightning, or hail. Most policies also provide limited coverage for tree removal, typically between $500 and $1,000, if the fallen tree impacts an insured structure or blocks access points like driveways or ramps. In cases where a neighbor’s tree causes the damage, your insurer may pursue reimbursement from the neighbor's insurance through subrogation, which could potentially cover your deductible. It’s important to note that damage resulting from poor tree maintenance is generally excluded, making regular upkeep essential. Coverage for damaged trees and shrubs is typically limited to 5% of the dwelling’s insured value, with individual caps on each plant, while commercially grown trees require separate business coverage.