Regular tree maintenance isn’t typically covered by home insurance, but damage from trees that occurs during a storm or other covered peril may be eligible for coverage.
Our insurance editorial team breaks down the ins and outs of tree removal coverage to help you manage your property’s green space.While having trees on your property can be aesthetically pleasing, trees do come with maintenance costs and can even cause damage to the home in a number of ways, including:
— Damage to siding: Limbs can also blow into your siding or repeatedly rub against your home and cause scratching or deeper damage. — Damage to service lines: The roots of your trees can grow into service lines, like your water or gas lines, and cause damage. Keep in mind, though, that all policies are different. You may want to talk to your agent about the specifics of your policy to better understand what’s covered.Not all tree removal scenarios are covered by standard home insurance. Your— If the tree is deadYou may be wondering if homeowners insurance covers dead trees or preventative tree removal. Most often, the answer is no. These scenarios are considered maintenance and are part of the cost of having trees on your property.
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