Agency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482
Generally speaking, real property damaged caused by a tree or portion thereof is covered under your Homeowners' policy.
If it is on your house, the coverage would be subject to your contract deductible of course. If it is YOUR tree, that you know has been dead or diseased and you have not done anything to mitigate the situation, and as a result, the tree falls on your neighbor's house, then you are held responsible and the coverage would come from the Liability portion of your Homeowners' policy. As always, it is best to ask your insurance professional about your particular situation.
It depends. Where does it fall? What caused it to fall? A tree struck by lightning is typically covered. A tree that falls due to wind is not covered unless it lands on your property such as your home or auto. If it lands in your yard and causes no damage, there is no coverage for the tree itself. Your healthy tree that lands on your neighbor's house is covered by their homeowners insurance not yours. Prior to making a claim, you should always talk to your trusted insurance advisor to verify your coverage.
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If it is on your house, the coverage would be subject to your contract deductible of course. If it is YOUR tree, that you know has been dead or diseased and you have not done anything to mitigate the situation, and as a result, the tree falls on your neighbor's house, then you are held responsible and the coverage would come from the Liability portion of your Homeowners' policy. As always, it is best to ask your insurance professional about your particular situation.