Is A Tree Falling Covered By Homeowners Insurance? 
It depends . Where does it fall?What caused it to fall ? A tree struck by lightning is typically covered . A tree that falls due to wind is not covered unless itlands onyour property such as your home or auto . If it lands in your yard and causes no damage , there is no coverage for the tree itself . Your healthy tree that lands on your neighbor 's house is covered by their homeowners insurance not yours . Prior to making a claim , you should always talk to your trusted insurance advisor to verify your coverage . 