If A Tree Falls on Your House, Does Homeowners Insurance Cover It? | Allstate Insurance

If a tree falls on your house, does homeowner's insurance cover it? The short answer is: It depends Let's run through some scenarios

If the tree was healthy and toppled due to wind, a typical homeowners insurance policy may help pay to repair damage to your home and remove fallen branches What if the homeowner neglected to maintain a tree, and it was ready to fall down even before the storm? In that case, homeowners insurance most likely wouldn't cover the damage If the tree doesn't damage anything when it falls, homeowners insurance typically will not cover debris removal What happens if your neighbor's tree falls? Your homeowners insurance may help pay for repairs if it damages your home Remember: You'll typically have to pay your deductible before your insurance will help pay for a covered loss, and coverage limits will apply

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