Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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Tree Fell on House Home Insurance CoverageIf your neighbor’s tree falls on your house, certain factors will determine whether your home insurance or theirs, will cover the damage. If they have good neighbor insurance, theirs will likely cover the damage.

You’ll also need to look at the cause of the falling tree, and the results of getting your neighbor to pay out. All these factors, and more details about your home insurance and property damage coverage, are covered below.

There is more to take into consideration when looking for home insurance coverage than your property alone. When purchasing a home, you should get a feel for the neighborhood and your specific neighbors as well.

Could something on their property, such as ATV’s, a faulty fence, or overhanging trees possibly damage your property?

You should be prepared for potential neighborly damage by understanding what is covered by your homeowners policy.

Read on to learn what parts of a home insurance policy kick in to pay for what kinds of damages and then when you are finished be sure to use the free quote tool to do a thorough comparison of many different insurance quotes today!

Property Damage Coverage

When you purchase a home insurance policy, you are removing the risk off of you and giving it to the insurance company. Because of this, you have to pay the insurance company a yearly fee to take on the risk. The higher deductible you have the lower your payment will be. This is because with a higher deductible, you pay more out of pocket and the insurance company pays less thus reducing their risk and increasing yours.

Property damage coverage is only one aspect of an overall home insurance policy. The first thing it covers is your structure. This includes your frame, windows, drywall, roof, ceiling, plumbing, electrical, and anything else that is part of the overall structure. Another part of property damage coverage is coverage to structures on the property such as garages and sheds.

Property damage coverage also covers damage to the contents of your home such as furniture, jewelry, electronics, and more. The amount of this coverage may not be enough to cover all that is in your home especially if you can’t prove what was in your home. If the contents of your home are expensive, you may want to seek out an individual insurance policy solely for the contents of your home.

How the damage was done to your property will play a part in determining what will be covered. If the damage is caused by a natural disaster, it will be covered in most scenarios. Some coverage such as flood or hurricane coverage is not standard so be sure to find out about this when getting a policy. Vandalism, theft, or other intentional types of damage by other people will be covered as well.

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What About Damage Caused by Your Neighbors?

When a neighbor damages your home or you damage a neighbor’s home, it can be tricky. There is a proper way to take care of damages, but you may want to also take into consideration the on going relationship with your neighbors when accessing damages. Following some simple steps will help the process go smoother.

Take for example the situation, my neighbor’s tree fell on my house, whose home insurance covers this? The first step is to determine why the tree fell. Did it fall because of a natural causes? This would include, a windstorm, tornado, rainstorm, or the death of the limb. If not, you will want to ask, did it fall because of the negligence of my neighbor? This would include intentionally causing the tree to fall on your house, cutting down the tree without proper equipment or proper precautions, or an accident caused by their children being negligent.

Once you determine how the tree fell, you will need to see if your neighbor’s policy has good neighbor property damage coverage. This means that your neighbor’s policy will cover the damage whether the damage was intentional or not. If your neighbor does not have this type of coverage, your policy will cover the damage but if you have a deductible, you will have to pay it.

You can ask your neighbor to cover your deductible since they are at fault. If they will not do so, you can take them to small claims court and try to get a judgment against them for negligence. You have to determine if this is worth the court costs, hassle, and strained relationship with your neighbor. Trying to work it out between you and your neighbor without court intervention is best, but if it isn’t possible, it may be your only option to get what is owed to you.

Good Neighbor Home Insurance Coverage

When you are looking for a home insurance policy, consider adding good neighbor coverage so that if a tree from your home falls in your neighbor’s yard, everything will be covered. You may wonder how to find a good home insurance company. Looking for a policy online through an online comparison tool will save you time and money. Using our free online insurance comparison tool can find you the policy that you need that also fits into your budget.