Will Homeowner Insurance Cover Tree Removal?

Will Homeowner Insurance Cover Tree Removal?

Can your homeowner insurance cover tree removal? We have the answers to common homeowner insurance questions.

Introduction

Homeowner insurance policies vary in what they cover, but most policies have provisions for tree removal coverage. Contact your insurance company to inquire if you are unsure whether your policy will cover the tree removal cost.

Will Homeowner Insurance Cover Tree Removal?

When it comes to homeowner insurance, there’s typically a lot of confusion around what falls under the policy’s tree removal coverage. Most homeowner policies will cover the cost of removing trees on your property as long as they are not blocking access to your home or posing a safety hazard. 

There are some exceptions to this rule, however. Policies may not cover the removal of trees over 20 feet tall or those with a diameter greater than 12 inches at their base.

Additionally, homeowners may be liable for repair costs if the tree is damaged in the process of being removed.

Get a free quote from Troutbrook Arborists & Landscaping

Scott WinnScott Winn
11:11 19 Feb 22
Andrew and his team showed up 2 hours after the tree hit the house. They carefully and safely were able to remove the tree with no further damage. The insurance company covered his costs. We could not be happier with the turn around time, professionalism and the quality of equipment and skill used to execute the job! Unfortunate circumstances thrown at us from mother nature but great results! Thank you again Andrew!!
Barry GoldbergBarry Goldberg
19:24 27 Jan 22
Very professional, courteous and careful staff. Experience operating various equipment for several hard to reach scenarios. Safely done and left the property clean.
Dawn BensonDawn Benson
13:34 16 Jan 22
We had a large tree fall on our house causing significant storm damage and needed it removed in an emergency situation. We called Trout Brook Arborist & Landscaping. They responded quickly and were at our home within hours. Their quick response prevented further damage to our home.These guys were great!!! Andrew and his crew were professional and highly skilled tree removal specialists. Their “state of state art” equipment allowed them to precisely and safely complete the job and secure our home. They also shielded our home and roof with materials to protect it from any water damage. We highly recommended this professional tree removal company. They made an emergency situation less stressful and much easier to manage. We can’t thank them enough!
Bruce TuthillBruce Tuthill
03:00 04 Dec 21
Andrew and his crew are great to work with. They showed up when they said they would, were very courteous and went over all work to be done before proceeding. Two large trees needed pruning and the crew worked meticulously selecting the branches to be cut. They were considerate of the neighbors and cleaned up all debris before leaving. They did great work at a reasonable price. I highly recommend them as arborists.
Fung LeeFung Lee
22:45 14 Oct 21
Andrew responded my request promptly. His knowledge about the 'trees' is phenomenal! They have ALL the right equipments and have the job down very professionally ! Removed 3 big and tall tress in one day! We are very happy with the results! He charged very reasonable price too!
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Does homeowner insurance cover tree removal services?

Homeowner’s insurance policies may cover tree removal if it is considered a covered event. The procedure may require the tree to be removed by a specific date, or the policy may have exclusions for certain types of trees.

Before contacting the insurer, it is essential to get your municipality to see if there are any restrictions on removing trees within the jurisdiction.

Are there any exceptions to homeowner insurance coverage for tree removal?

There are a few exceptions to homeowner insurance coverage for tree removal. If the tree is on your property but not touching, it may be considered a part of your property. In this case, homeowner insurance would usually cover the cost of removing the tree.

If the tree is touching or partially touching your property, homeowner insurance may not cover the tree.

insurance cover tree removal

What are the limits of homeowner insurance coverage for tree removal?

Homeowner insurance policies vary regarding what is covered and what is not. In general, tree removal is generally not a covered act unless the tree is on your property and potentially hazardous.

You may be able to include the cost of tree removal in your home insurance policy if the tree falls onto your neighbor’s property or if it poses an extreme danger to your home or its inhabitants.

Why Would My Homeowner Insurance Not Cover Tree Removal?

Your homeowner insurance will not typically cover the cost of tree removal unless the tree is on your property and falls within the policy’s exclusions.

Trees outside of your home that is damaged by weather or another cause are typically covered by homeowner insurance.

How much do I need to save for tree removal?

Tree removal can cost anywhere from $200 to $1,000, depending on the size and complexity of the job.

insurance cover tree removal

Can I get coverage if the tree falls on my house?

If the tree falls on your house, you may be able to receive coverage if it is an “act of God.”

How much will homeowner insurance cover for tree removal?

Homeowner insurance may cover the cost of tree removal if damage or loss is caused by a natural disaster such as a storm or hurricane.

Coverage will vary depending on the company, but typically homeowner insurance will pay for the cost of removing trees that fall on your property, damage to your home from the tree’s roots, and any associated repairs.

Homeowner’s insurance will not cover tree removal; is this correct?

Homeowner’s insurance will not cover tree removal. This is because trees are considered property and not personal belongings.

insurance cover tree removal

Conclusion

Homeowner’s insurance may cover the tree removal cost, depending on the policy.

Suppose you live in an area covered by a standard homeowner’s policy. In that case, your coverage may include damage to trees and landscaping resulting from natural disasters, such as floods or hurricanes.

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