Does homeowners insurance cover tree damage

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Homeowners insurance is an essential protection for homeowners, providing coverage for various types of damage to their property. One common question that arises is whether homeowners insurance covers tree damage. Trees can cause significant damage to a property during severe weather events or accidents, so it’s crucial to understand the extent of coverage provided by homeowners insurance policies.

Does Homeowners Insurance Cover Tree Damage?

Standard Coverage: In most cases, homeowners insurance policies cover damage caused by falling trees or limbs. This coverage typically includes damage to the house, other structures on the property (such as garages or sheds), and personal belongings that are damaged as a result of a fallen tree. This coverage applies regardless of whether the tree is located on the insured property or a neighboring property.

Damage Types Covered: Homeowners insurance generally covers damage caused by trees falling due to perils such as storms, lightning strikes, wind, or the weight of ice and snow. It also covers damage caused by trees that fall due to accidents, such as a vehicle colliding with a tree on the insured property.

Exclusions: While homeowners insurance typically covers tree damage, there are certain exclusions to be aware of. For example, if a healthy tree falls without any external cause, such as a storm, the insurance may not cover the resulting damage. Additionally, if a tree falls and damages only landscaping or fences, it may not be covered under the standard homeowners insurance policy.

Additional Living Expenses: If a fallen tree renders a home uninhabitable, homeowners insurance may cover additional living expenses. This coverage can help with temporary accommodation, meals, and other necessary expenses while repairs are being made.

Tree Removal Coverage

Tree Removal: In some cases, homeowners insurance policies may also cover the cost of removing fallen trees. However, this coverage is usually limited to cases where the tree has caused damage to insured structures. If a tree falls without causing any damage, the cost of removal may not be covered.

Policy Limits: It’s important to note that there are usually limits on the amount of coverage provided for tree removal. These limits may vary depending on the insurance company and the policy. It’s advisable to review the policy details and consult with the insurance provider to understand the specific coverage limits.

Additional Coverage Options

Additional Endorsements: Some homeowners insurance policies offer additional endorsements or riders that can be purchased to provide broader coverage for tree damage. These endorsements may include coverage for fallen trees that do not cause any damage to insured structures or coverage for landscaping and fences.

Special Considerations: Homeowners with valuable or rare trees on their property may consider obtaining additional coverage specifically tailored to protect these trees. This specialized coverage may provide compensation for the loss or damage of unique or expensive trees due to covered perils.


In most cases, homeowners insurance covers damage caused by falling trees or limbs. This coverage typically includes damage to the house, other structures, and personal belongings. However, there may be exclusions and limitations, such as coverage only for trees that fall due to specific perils or coverage limited to damage caused to insured structures. It’s important to review the policy details, understand the coverage limits, and consider additional endorsements or specialized coverage options for valuable or rare trees.


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– National Association of Insurance Commissioners:
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