what coverage is provided for trees on a homeowner policy
trees, shrubs, and plants. Coverage is provided for trees, shrubs, plants, or lawns on the residence premises for the following perils: fire or lightning, explosion, riot or civil commotion, aircraft, vehicles not owned or operated by a resident of the residence premises, vandalism or malicious mischief, and theft.
Most basic homeowners insurance policies will cover damage to your house and the contents caused by falling trees and tree limbs. Most storm-caused tree damage, such as ice, hail and lightning, is covered.