Does homeowners insurance generaly cover damage to other peoples property ,like say from a tree falling

Question

i have a few trees that are near my property line, they are Eucalyptus trees and those have a tendancy to drop large brances from time to time, if one of these trees dropped a big enough brance it could land on my neighbors house or car , i am planning to just cut the trees down to avoid this ever happeneing because i cant afford to pay for the damage they cause, but i was wondering if maybe my insurance might take care of that sort of thing, id hate to have to lose the shade those trees provide just because there is some chance that someday they will cause damage.

Answer 1

Mbrcatz nailed the answer, as she always does. That said, find out who your insurance company, what limits the policy has, and how much you are paying in premium. Typically, the policy will barely cover the expense of the house if it burns down (that is all the mortgage company cares about). You will likely not have any additional coverages like sump-pump failure coverage either. Check and see if you can cancel the policy if you replace it with one of your own. If you can, talk to a local insurance agent (ask your friends/family) about the coverage(s) you need.

Answer 2

Theoretically, you must KNOW that the tree is hazardous (like, rotten), and do nothing to fix it, AND, the other party must prove that you had knowledge.  

Practically speaking, it's very difficult to prove, and I've never seen a case where the homeowner's policy has paid damage to someone else's property.  BECAUSE YOU AREN'T LIABLE.  Now, if the neighbor sued you, and won, then your homeowners would pay.  But they'd go all the way to court, because, hey, tree branches come down sometimes.  Especially in storms.

With tree branches, it's every owner for themself.  If the car owner has comprehenisve, that will cover damage to the car.  If the homeowner has insurance, that also covers damage to the fence, or their house, by "falling objects" including tree limbs.   No insurance - no coverage.  They might threaten to come after you , but they won't win that suit, unless KNEW the branch would come down - and they can PROVE you knew it.

Answer 3

You have liability on your homeowners insurance.   But I won't want to use it.  It is better to have the trees trimmed and not have to put in a claim.   Since your mortgage has an impound account, you could call your mortgage company and ask them who your insurance company is.  It is important to know.   Most homeowners policies work about the same, but they have different limits to pick from just like car insurance.   You should also review your limits to make sure that you have what you need and don't have what you don't need.  This way there are no surprises if you have a claim.  Also, a branch falling on someone or something is handled differently than tree root damage.

Answer 4

You don't even know who your insurance company is and you're griping about "stupid answers"?  Brilliant.

Answer 5

no insurance company provide coverage neighbors property under your property insurance