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:

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!

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Auto Rates and Finger Prints: Both are Unique to You!

By Jeff Ryan • April 7, 2026

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