Does Home Insurance Cover Fallen Trees? 
Damage to your own or neighbors home resulting from a fallen tree most likely will be covered by homeowners -LRB- HO -RRB- policy . If this is your tree that has damaged your neighbors house or property , your should have personal liability coverage within your HO policy . Claims coming from fallen trees that as a result of fire , wind , lighting , hail are usually covered by an HO policy . The landscaping itself may be covered under Coverage C on your HO policy or under Tenants Betterments and Improvements coverage on your Business Personal Property coverage . There are certain exclusion to each insurance policy . Bad soil , over watering or insects are usually excluded from coverage . You can talk to your agent or call your company 's claims department and ask them specific questions about the fallen trees coverage . 