Homeowners insurance covers tree removal only if the tree fell from a covered peril AND damaged a covered structure — usually capped at $500–$1,000 per tree.
By the Home & Dime Editorial Team · Last updated 2026
When it’s covered
- A storm knocks a tree onto your house, garage, or fence.
When it isn’t
- A tree falls but hits nothing.
- Preventative removal of a healthy tree.
Frequently asked questions
How much does it pay?
Typically $500–$1,000 per tree.
A tree fell but hit nothing — covered?
Usually not.
The bottom line
Removal is covered when a storm-felled tree hits something insured — otherwise you pay.
Related guides
- Does Homeowners Insurance Cover Roof Leaks?
Sources: Insurance Information Institute (iii.org); Consumer Financial Protection Bureau; FEMA; state Departments of Insurance. General information, not insurance advice.
Part of our Homeowners Insurance guide
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