Does Homeowners Insurance Cover Downed Trees? 
Most insurance policies will require a tree hit something like a house , fence , or another structure for the removal of the tree to be covered . If the tree simply falls down in the yard it will not be covered for removal by most insurance policies . Some policies provide coverage for the value of the tree . You should read your policy or call your local independent insurance agent to find out exactly hose your policy reads . Hope this answer helps . 