Sometimes, regardless of the care you take, just one strong.

Most insurance companies protect your home and other structures, such as a fence or shed, against covered perils up to your policy limits.

Jul 08, Insurers generally limit what they’ll pay to remove the tree toor 1, says the Insurance Information Institute (III), an industry organization.

But if the downed tree Estimated Reading Time: tree falls on fence insurance mins. If the tree misses the fence and just lies in your yard, you're not so lucky. Homeowners' insurance doesn't pay to remove fallen trees unless they land on a man-made structure.

Here are the answers to some frequently asked questions about trees and insurance.

Even if it hits your. A: It depends. Typically, damage caused by trees falling on covered property is covered by your homeowner’s policy. Most insurance companies protect your home and other structures, such as a fence or shed, against covered perils up to your policy limits.