Aug 6 2010 6:00 AM

Does home insurance cover fallen trees?

Standard home insurance covers your home from fallen trees no matter if the tree belongs to you or your neighbor. If a tree hits an insured structure, you will also be reimbursed for some of the removal costs, depending on your insurer and your policy. If the fallen tree hits an uninsured structure, you usually will have no coverage for debris removal.

In some circumstances, if the tree was on your neighbor’s property, you insurer may try to collect from their insurance company. This usually happens if your neighbor’s tree was in poor health or was not properly maintained. If your insurer does collect from your neighbor’s insurance company, you may be reimbursed for your deductible.

If you want to protect your cars from fallen trees, make sure you add this option to your comprehensive coverage on your auto insurance policy. Comprehensive coverage pays for damage to your car that is unrelated to a collision, such as theft, storm damage, fire or vandalism.

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Laura Adams is a personal finance expert and award-winning author who is Senior Insurance Analyst for InsuranceQuotes.com. She represents Bankrate Insurance’s web properties in the media and works as an advocate to make sure consumers protect their financial futures by having the right kinds of insurance.

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