The short answer
HO-3 covers tree removal when the fallen tree damaged a covered structure (house, garage, fence). Standard removal sub-limit is $500–$1,500 per tree, $1,000–$3,000 aggregate. A tree in the yard that didn't hit anything is typically not covered even if fallen from a covered peril — unless it blocks the driveway or a ramp needed for accessibility.
Frequently asked
- Neighbor's tree fell on my house — whose insurance?
- Yours pays first regardless of tree ownership. Subrogation against the neighbor only if they were negligent (dead tree, prior notice).
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