Does homeowners insurance cover fallen trees? 
There are two major sections to a homeowners policy , the property coverages and the liability coverages . Damage to your property caused by a fallen tree is covered by the property coverages and is adjusted after payment of the deductible . If your tree falls on a neighbors house and does damage your liability policy will provide coverage . In this case the claim will be adjusted without payment of any deductible . The one part that hasnt been mentioned is the tree itself . In most cases the coverage for the tree is quite limited . As you can understand replacing a mature tree can be very expensive . It is , however possible , that your homeowners policy has some coverage extension that will pay for the loss of a tree caused by a windstorm or similar event . Again that claim will be adjusted after payment of a deductible but the deductible isnt applied per tree , rather the entire claim . 