Does Homeowners Insurance Cover Damage To Neighbor's Property? 
It may . Talk to your Insurance Professional about the terms and conditions of your policy . If for example , yoo have a tree that you KNEW was severely diseased or dead and did nothing about removing it . If a storm came up and blew that tree down and onto your neighbor 's home or cars , then you very well could be considered negligent in maintaining your property and therefore it might be possible that coverage would be found in the Liability portion of your policy . Change that to a perfectly healthy tree . The storm comes up and there are embedded micro bursts that simply knock the tree over and onto the neighbor 's home or cars . In that scenario , you are more than likely not liable for the damage because there would be no negligence on your part . 