Does my insurance cover fallen trees?

If a tree falls on your home or a covered structure like a garage or fence, your policy typically covers the damage to the structure and the cost to remove the tree from the structure, usually up to $500 to $1,000. If the tree falls in your yard without damaging any structure, removal is generally not covered. If your neighbor's tree falls on your home, your insurance covers the damage, and your insurer may pursue reimbursement from the neighbor's insurance.