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No, not normally unless that tree is a hazard to the insured structure.

Tree trimming, maintenance and removal of trees and shrubs are a normal part of your landscape maintenance and are not covered by your homeowners Insurance policy.

Some companies will offer additional coverage for a premium that provides for tree removal even when not a hazard but it is usually added as an endorsement to the policy.

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Q: Does home insurance cover storm damage to a tree?
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Does home insurance usually cover repairs to storm damages?

Most homeowners insurance policies cover repairs caused by storm damage, however you will have to check your policy to be certain. Usually, you will have a fixed amount of time to claim damages.


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No, Homeowners insurance does not cover damages to your automobile. Your home insurance policy is property insurance for the specified structures and real property listed on the policy. Cars are not listed as covered property on your home insurance policy, that's what auto insurance is for.


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