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If a Tree Limb Falls and Damages My House, Does My Homeowner’s Insurance Cover It?
February 12, 2021
Most homeowners policies cover damage caused by falling tree limbs. However, there are some policies that do not include loss as a covered peril.
Here’s a quick list of the major types of Homeowners Policy forms and whether or not Falling Objects (including tree limbs) are a covered peril:
Call your agent or company representative and ask them the same question. They should be able to quickly answer. If they cannot provide you the information we would enjoy helping and you are welcome to call us at 607-324-7500.
HO-1 policy forms are not used very frequently so the odds are good that this type of loss is covered under your policy.
For a little more information on what is included in most Homeowners policies see this post: Jeff Ryan's answer to What types of risk does typical homeowner's insurance cover?
To have more of your Homeowner's Insurance questions answered please feel welcome to give us a call at 607-324-7500. We Love to Help!
Here’s a quick list of the major types of Homeowners Policy forms and whether or not Falling Objects (including tree limbs) are a covered peril:
-
HO-1 - Not covered - HO-2 - Covered
- HO-3 - Covered
- HO-4 (renters) - Covered
- HO-5 - Covered
- HO-6 (condo) - Covered
Call your agent or company representative and ask them the same question. They should be able to quickly answer. If they cannot provide you the information we would enjoy helping and you are welcome to call us at 607-324-7500.
HO-1 policy forms are not used very frequently so the odds are good that this type of loss is covered under your policy.
For a little more information on what is included in most Homeowners policies see this post: Jeff Ryan's answer to What types of risk does typical homeowner's insurance cover?
To have more of your Homeowner's Insurance questions answered please feel welcome to give us a call at 607-324-7500. We Love to Help!
This article may have been originally published at Quora.com.
To see Jeff's Quora.com profile click here.
Part 7 – Designing a Value-Driven Insurance Plan
Part 6 – Advice, Advocacy, and Answers
Part 5 – Can Your Company Deliver?
Part 4 – Custom Coverage = Real Protection
Part 3: Coverage Limits - "The Ceiling You Don't Want to Collapse"
Part 2 – The Risks of Chasing Cheap
Part 1: What Are You Really Paying For?
Insurance fraud is a significant problem, exceeding $300 billion annually, with the Property and Casualty sector contributing nearly $50 billion to that total.
Living in New York, you might have a stack of insurance documents—auto, homeowners, health, or life insurance policies—filed away somewhere. But how long should you keep those documents, and specifically, what papers should you hold on to?
The year 1962 was marked by historic events—from the Cuban Missile Crisis to the passing of Marilyn Monroe. But while the world focused on these headlines, Lee A. Ryan was working alongside his brothers on my grandparents' farm when an unexpected opportunity arose—an invitation to join the insurance business. With no prior experience, no clients, and limited resources, my dad took a leap of faith and partnered with Nationwide Insurance to start an agency from scratch. Operating out of his home on Karr Valley Road in Almond, NY, he built his business one relationship at a time (some of whom are still clients!), laying the foundation for what would become a lasting legacy.
