Will Home Insurance Protect You If a Tree Falls On Your House?

Storms are happening across Austin, TX all of the time and it is important to know what your home insurance covers, and what it does not. Say you have a big wind storm, to the point where you have a tree that falls right at your house. While this is not an ideal scenario by any means, you are likely wondering whether or not you have coverage to get your home back together.  

There is not a black and white answer as to whether your home insurance will cover a tree falling on your home. It will depend on a variety of different factors that are in play. The cause of the tree fall is one of the things that will matter, as will the damage that was done to your home itself.

In the majority of cases, a homeowner’s insurance policy is going to help to protect your home if there is damage to your house itself, as well as a fence, shed, or other structures on your property. In the situation where the tree falls due to a wind storm, you will likely be covered up to the limits on your policy, while you are paying the deductible out of pocket.

What you will not have coverage for is going to be tree falls on your home due to negligence or maintenance problems. If the tree was ready to fall and you ignored it, that means you neglected to care for it and may not be covered. The same goes for if you cut a tree down on your own and it tumbles onto your home.

With home insurance, you want to know what you have coverage for and what you do not. Work with the team at Southwest Insurance Center to shine more light on the topic today!