Insurance for Fallen Trees

Trees are a great way to add beauty and value to your home. While they can also help shade your home to keep it cool, it is important to keep in mind that trees can also be dangerous, especially during winter storms. Having the right insurance coverage can help to ensure you are protected in case one of your trees falls.

If one of the trees in your yard falls on your vehicle, your auto insurance policy will cover the damage, as long as you have comprehensive coverage. If you skipped out on comprehensive coverage when investing in your auto insurance, you will be left paying for the repairs out of pocket. The comprehensive coverage portion of your auto insurance would also provide coverage if the tree fell on and damaged a neighbor’s car.

If the tree falls down and damages your home, your homeowners’ insurance policy would provide enough coverage. Your homeowners insurance policy would also provide coverage if the tree fell on any other structure on your property, including sheds and garages. It is important to keep in mind that if the tree falls and does not damage any structures on your property, you would have to pay for the removal of the fallen tree out of your pocket.

Luckily, there are steps that you can take to help prevent any of your trees from falling. One of the easiest steps to take is to examine the tree. If it looks like it is damaged in any way, it may be time to remove it. You could also hire a professional arborist that would be able to let you know if there are any special treatments that would be able to help your trees.

For all of your homeowners and auto insurance needs throughout Western New York, contact Alliance Group in Fairport.