Does homeowners insurance cover fallen trees? 
If a fallen tree , whether your own or your neighbors , has landed in your yard , on car or on your home , you are likely wondering whether your current homeowners insurance policy will cover the repair costs . Damage to your home and its contents , regardless of whether the trees origin was from your own property or a neighboring , is covered under a homeowners policy . For property such as sheds , additions or detached garages , there is generally a maximum amount of coverage offered for fallen tree damage -LRB- i.e. 10 % of your entire propertys value -RRB- . Even though your homeowners insurance policy will cover damage resulting from fallen trees , it is important to keep in mind that you are financially responsible for any applicable policy deductible . For example , if your homeowners insurance policy has a $ 5,000 or $ 10,000 deductible and the total cost of repairs is $ 25,000 , you will be required to pay either $ 5,000 or $ 10,000 out of pocket for the clean-up to be completed . If the fallen tree was from your neighbors yard , it is possible that your insurance company will attempt to get their policy to cover the cost of the damage . In this event , you may be refunded any deductible you paid for the repairs . 