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A homeowners insurance policy typically protects your home and other structures, such as a fence or shed, against specific causes of loss, known as perils. Covered perils typically include damage caused by wind.

She specializes in writing about parenting, frugal living, real estate, travel and food.

So, the situation that caused the tree to fall is stumplopping.clubted Reading Time: 6 mins. Apr 09, If a healthy tree on your land falls onto your fence, your home insurance will cover the damage. If the tree was already weakened through lack of maintenance or negligence, your insurance company may choose to not cover the damage. They typically only cover accidents, and would consider a weakened tree to be a foreseeable and preventable issue.

This makes it important to keep an eye on the health of trees on and near your property. A neighbor's tree falls on your fenceEstimated Reading Time: 6 mins. If the tree misses the fence and just lies in your yard, you're not so lucky. Homeowners' insurance doesn't pay to remove fallen trees unless they land on a man-made structure. Even if it hits your Missing: Palo IA.

Jul 08, The median amount paid by insurance companies for settled tree claims was 4, Seven percent of all settled claims were caused by a fallen tree.

Compare that with the Missing: Palo IA.

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