Will Your Homeowners Insurance Cover A Fallen Tree?

NJ Homeowners Insurance Coverage | Bergen County NJ

NJ Homeowners Insurance Coverage | Bergen County NJ

Will your homeowners insurance cover a fallen tree? It is a common question when it comes to NJ Homeowners Insurance Coverage. As homeowners, we all deal with the intricacies of  homeowners insurance.  Most of us never think about whether we will actually use our NJ Homeowners Insurance Coverage, never mind thinking about what specific incidents are covered. Then one day you need it and you have no idea what is covered. So, what about that fallen tree?

Trees fall and when they fall they may land on something valuable like a car, your home, or your neighbor’s fence. These mishaps can be quite costly, especially because they are unexpected. It is important to know what your insurance covers with respect to the fallen tree. First off, damage to your home and other structures on your property is covered, although there is typically a cap on any structure other than the home. It also does not matter whether the tree was on your property or a neighboring property.

It is also worthy to note that you are responsible for your deductible. This deductible can be significantly different if the tree fell as a result of a classified hurricane. Sit down with your Bergen County insurance agent to discuss the difference and what your coverage is in the event of a hurricane.

Other interesting tidbits related to homeowners insurance covering a fallen tree include:

  • If the tree in question fell on your car it will be covered by your comprehensive auto insurance.
  • Trees knocked over by water or wind will not have replacement coverage.
  • The replacement cost of a tree will be covered if it fell as a result of vandalism.

Contact our team at Bogle Agency Insurance for more information on homeowners insurance in Bergen County New Jersey. We welcome the opportunity to help you understand your policy and where you may be lacking coverage or perhaps where you may be over-insured. Let us serve as your guide to whether your homeowners insurance will cover a fallen tree, as well as answer any other questions you may have.

Click here to view a video from the Insurance Information Institute for more information related to fallen trees.