Hello how may I help you? What does my current policy cover? Hello, your policy covers fire, water, and acts of god. My tree fell on my neighbor's house. is that covered? What were the circumstances around the tree falling? During a storm, due to being cut down, etc? The damage was caused by ash borers. It looks like we WILL cover damage caused by ash borers. So you will replace my tree? Of course we will, we will also cover any damage to your neighbor's tree. We will send an agent out to take a look tomorrow. Thanks Can I help any further? nope