Written by Alison Tobin and published on https://clearsurance.com/blog/does-homeowners-insurance-cover-tree-removal.
Homeowners insurance typically covers tree removal if the tree falls on your house or a structure on your property, but there are certain exclusions, like earthquakes and flooding. Homeowners insurance reimburses you for losses incurred by your home and personal property if they’re damaged by a peril that’s covered in your policy. Most standard policies insure loss against perils like fire, bad storms, lightning, and malicious acts like vandalism and theft.
Another condition that’s insured by standard policies is coverage against falling objects, including fallen trees, and if a tree lands on your house, your garage, your driveway, or your trampoline, your insurer may reimburse you for the tree’s removal and property replacement or repairs. There are also instances where your home and personal property are covered, but the tree itself isn’t.