Do I Pay if my neighbor's tree falls on my home?
We get this question a lot. Although the answer is not written in stone, often times your homeowners insurance will be the one to respond and you will be responsible for the deductible and any rate increase that may come with turning in a claim. If your neighbor's tree falls in your yard without doing damage to a structure such as your home, garage, shop, or a fence, you may also be left with a tree removal bill, because your home insurance typically does not pay for the removal of a tree that has simply fallen into your yard without causing damage. Home insurance also does not provide coverage for the removal or trimming of a standing tree.