Regular HO-3 the most common type of policy homeowners insurance.

Sep 14, Homeowners insurance protects your home and personal belongings from the unexpected, including fallen tree damage after a bad storm. Fallen tree damage and removal is generally covered if the tree landed on a covered structure and fell because of a covered peril, like heavy winds or a lightning strike.

But if your insurer can prove that the tree fell due to an exclusion in your.

An additional exclusion applies if a tree falls on your car.

Jun 24, Tree removal costs are covered by your homeowners insurance based on determining what caused the tree to fall, as well as where the tree was located. Damage caused by a tree falling on your house or other covered structure is typically covered, and removal generally is as well.

If the tree doesn’t land on a structure and there is no damage, removal costs may be up to shrubhauling.barted Reading Time: 9 mins.