When an act of nature causes a tree to fall on an insured structure like a fence your insurance company might pay.

Does geico home insurance cover tree removal. Homeowners insurance can cover many types of tree damage and some tree removal both to your property and your neighbors. Your homeowners insurance wont cover this damage but your auto insurance might if you have comprehensive coverage on the car which pays for non-collision related damage. Youll need to find another way to cover the cost of the debris removal.

But some restrictions apply. Then you would have to pick up the tab. Or if youre disabled home insurance might pay if the tree blocks a wheelchair ramp.

Homeowners insurance protects your home and personal property against perils covered by your policy including fire windstorms and malicious acts like theft and vandalism. Some providers will cover the removal of a healthy standing tree while others will only cover its removal if it falls on to your house or if it destroys your car or blocks your driveway. For the most part though it will be up to you to replace the tree.

There are different kinds of homeowners insurance policies so its important to understand what homeowners insurance is and how a homeowners policy actually works. In most cases an uprooted tree is an act of nature and cannot be anyones fault. You should be covered for fallen trees and branches if theyre the result of a peril covered in your policy.

In this case however your insurer may try to recoup their losses from your neighbors insurance company. But if the tree fell without causing damage to a structure on your property homeowners insurance likely wont cover the cost of removing the debris according to the III. Get a fast free quote today.

Homeowners insurance coverage is an important responsibility of owning a home as it adds a layer of financial protection for what may be you and your familys biggest investment. Home insurance generally does not cover removal of the tree unless it falls on a fence garage or home and causes damage. They dove deeper and found that home insurance is sorely outdated from the cumbersome way its bought and sold to the antiquated coverage it contains to its needlessly high prices.