Am I covered by Atlanta car insurance if a tree falls on my car?

Comprehensive insurance generally covers you if a tree falls on your car.

Comprehensive insurance generally covers you if a tree falls on your car.

You’ve always thought your car was pretty sturdy. You’ve been through a lot together, after all. But that was before a tree decided to pick a fight with it while it was minding is own business, just chilling in the driveway. And, well…The tree won by the simple strategy of falling on it and squishing it. (Which seems like cheating.) Anyways, your main question is this: am I covered by Atlanta car insurance if a tree falls on my car? That’s what we’re going to unpack.

Am I covered if a tree falls on my car?

Well…generally you are if you have comprehensive coverage. If you only have liability coverage, the tree definitely won this one because you’re not covered from this type of loss.


Liability insurance is only meant to protect other drivers on the road (well, it also protects you by safeguarding your bank account.) If you’re in a car accident, your liability insurance will cover your legal obligation to the other driver (and help with your legal expenses if they decide to sue.)

The bodily injury part of your liability insurance can pay for the other driver’s medical bills, lost wages, and so on. The property damage part can help repair or replace the other driver’s car (or other property you happen to damage by driving into it – like a fence or something.) But it won’t help you repair or replace your car if it’s damaged in an accident. Or if, you know, a tree with some sort of grudge crash-lands on it.

That’s where collision coverage and comprehensive coverage come in.

Collision coverage can help you repair or replace your car if it’s damaged in an accident or another sort of collision.

Comprehensive coverage can help you repair or replace your car if something other than an accident or collision damages it (though, alas, it doesn’t cover everything.) It generally covers the following losses:

  • Fire
  • Theft
  • Vandalism
  • Animal strikes (for example, if you hit a deer)
  • Flood
  • And…falling objects (like if a tree falls on it)

So, as you can see, collision and comprehensive coverage are important pieces of the “protect your bank account” mission you embarked on when you got your insurance. If you have a loan on your car, your lienholder may require you to carry collision and comprehensive insurance. (They want to protect their investment in the car, after all.)

What about my deductible?

Well, yes – there is that…

Your deductible is the amount you’ve agreed to pay if you have a claim. You have your portion of the claim and the insurance company takes care of the rest. You can set your deductible at the level that you’re comfortable with, but you’ll have to pay it if you have a claim.

Here’s an example:

Let’s say your deductible is $500. That tree falls on your car (very rudely) and causes $6,000 of damage. You would pay $500 and the insurance company would pay $5,500. If it’s any consolation…they’re paying a lot more than you are.

(Note that your deductible can affect your car insurance rates. If you raise your deductible, you could see lower premiums because you’re less likely to file a claim. However, you don’t want to set your deductible so high that it would be a big financial burden to pay in the event that a rogue tree trashes your car. Or a fire destroys it. Consider how much you could comfortably afford to pay in the event of a claim and find your happy premium-deductible balance.)

If you’ve made an investment by buying a car, it makes sense to protect it with insurance. When you get car insurance, don’t forget to give some thought to collision and comprehensive coverage. It can prevent you from having to shoulder the entire cost of the car repairs from either an accident or a freak occurrence like a deer strike – or if a tree falls.

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What you need to know about homeowners insurance if a tree falls

If a tree falls on your house, your home insurance will most likely cover you.

If a tree falls on your house, your home insurance will most likely cover you.

Atlanta is known for being a city with a lot of trees. The local flora is picturesque and pretty, but it does raise some questions about home insurance. First and foremost: does homeowners insurance cover fallen trees? Second: does homeowners insurance cover a tree falling on my neighbor’s house? Then that raises the question of what if a tree falls on my car, on my fence…You get the point. There are a lot of possibilities involving trees. Anyways, we’ll answer all of those tree-related questions. It’ll be tree-rific.

Does homeowners insurance cover fallen trees?

Most likely, yes. Indeed it does. If that oak tree in your yard blows over and crashes into your house, your home insurance would most likely cover the costs of repairs to your roof and house. As long as the cause of the falling tree is covered by the policy, you’re in good shape. Of course, it’s always a good idea to read over your policy so you understand exactly what circumstances are covered. But ideally, all it would take is submitting a home insurance claim and you can get the damage patched up.

Does homeowners insurance cover damage to my neighbor’s house?

You go to answer the door. It’s your neighbor and they do not look happy. It only takes a quick glance down the street to find out why. Your beautiful oak tree has smashed into their roof. Uh oh.

So, what happens in this scenario? Would your home insurance cover it? The answer is no. It would actually be the neighbor’s home insurance that would cover the claim, so they would have to go through their home insurance company to get the tree situation taken care of. They probably won’t be too happy about having to pay their deductible, but that’s the way it works.

On the flip side, if your neighbor’s tree falls on your home, it’s your home insurance company that will cover the claim … and you would be the one on the hook for your deductible. Basically, where trees are concerned, if it’s your house, it’s your insurance.

Now. There’s something else you need to know about trees. Let’s say that your neighbor informed you about a diseased tree that they fear will fall. They nag you about it multiple times because they want you to take it down. But you put it off and never got around to it. The diseased tree falls onto the neighbor’s house, damaging their roof. If they can prove that you were aware that the tree was dangerous and did nothing about it, their insurance company can come after you to reimburse the neighbor for their deductible. Just a tidbit to be aware of, the moral of which is to have any diseased or hollow trees removed safely. And to have your yard and property checked for problem trees about once a year so you can get them taken care of.

What if a tree falls on my car?

If a tree squashes your car, your home insurance would not cover it. However, your auto insurance could – if you purchased comprehensive coverage (if you didn’t, you’re out of luck.) Comprehensive coverage protects your vehicle against damage not caused by a car accident; it usually covers fire, theft, animal strikes, and yes – falling trees. You’d only have to pay for your deductible.

What if a tree falls through my fence?

A fence, while it might ward off trespassers and keep your dog in the yard, will not deter a falling tree. The good news is that you probably have “other structures” coverage in your home insurance, which covers things like detached garages, sheds, driveways, and, yes – fences. You’ll have to check your policy to make sure that it does indeed offer these coverages and to check what the limit is for other structures.

So, there you have it: homeowners insurance should indeed cover your home if a tree falls on it so long as it’s a covered cause of loss. Aren’t you re-leafed? (Sorry, we were on a roll with the puns.) Potential disputes with neighbors notwithstanding, you’re good to go where trees are concerned. However, it’s always a good idea to review your policy thoroughly so that you know exactly what is and isn’t covered.

Do you want to save money on your home insurance? We can help with that. If you’re looking for quotes for insurance, our team of home insurance professionals would be happy to shop your rates for you. All you have to do to get home insurance quotes is to fill out our quick form or give us a call today.