Is Tree Removal Covered By Homeowners Insurance? 
Having a tree removed for maintenance purposes is not covered by you 're Homeowners ' Insurance . That having been said , If that tree has been determined to be dead or diseased and might threaten your neighbor 's house if it fell , for example , and you do nothing about it , then if that did occur , you would be legally liable for any damage and subject to coverage under the Liability portion of your Homeowner 's policy . That would pay for the damage and legal fees , if necessary , and perhaps the clean up , but it is a good idea to discuss this with your Insurance Professional . 