Is A Tree Falling Covered By Homeowners Insurance? 
Generally speaking , real property damaged caused by a tree or portion thereof is covered under your Homeowners ' policy . If it is on your house , the coverage would be subject to your contract deductible of course . If it is YOUR tree , that you know has been dead or diseased and you have not done anything to mitigate the situation , and as a result , the tree falls on your neighbor 's house , then you are held responsible and the coverage would come from the Liability portion of your Homeowners ' policy . As always , it is best to ask your insurance professional about your particular situation . 