Does Homeowners Insurance Cover Tree Damage? 
It 's the homeowner 's responsibility to remove dead or damaged trees before they fall . Homeowners insurance will not cover dead or damaged trees . Homeowners insurance will cover resulting damage and the cost to cut up the tree if the trees falls on covered property . If a tree falls over but does not hit covered property , there is no coverage . If your neighbor 's tree falls on your property , your neighbor is only responsible for the portion of the tree located on his property . The portion of the tree on your property is your responsibility even though it 's not your tree . 