Home Insurance Covers Damage from Fallen Trees
After seeing the messy aftermath from a severe storm, you may be wondering if your home insurance policy provides coverage for your house, if it is damaged by a fallen tree or broken branch. Don’t worry. Standard homeowners insurance protects your house, your possessions and any other insured structures, such as your garage. Make sure you have an accurate assessment of the value of your home and your belongings, when you apply for home insurance quotes.
Tree damage
If a tree falls on your home, it doesn’t matter if the tree belongs to you or your neighbor. In either case, file a claim with your insurance company. After you pay your deductible, your insurance company will reimburse you to repair your home and replace your belongings. Before you apply for home insurance quotes, take an inventory of the items in your home. Start by going from room to room and compiling a detailed list of all your personal possessions and their estimated value. Make note of items that may have appreciated in value since you acquired them. Having a record of your valuable items ensures that they are properly protected.
Debris removal
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, according to the Insurance Information Institute. 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 his 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. Make sure you have enough coverage to repair your home and replace your belongings, when you get home insurance quotes.
Car coverage
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. Collision coverage pays for damage to your vehicle as a result of an accident. Sometimes collision and comprehensive coverage are referred to as “full coverage.”
Remember when you buy a homeowners or a renters policy, you’re insuring the structure of your home and your personal belongings in your home. Once you have determined the best coverage for your family’s needs, you’re ready to obtain home insurance quotes. Call agents in your local area, contact several insurance companies directly or use InsuranceQuotes.com to instantly get competitive insurance quotes from the nation’s leading insurance providers. Take the time to protect you and your family today.
