Does My NJ Homeowners Insurance Cover Fallen Trees?

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Windy weather can be unpredictable at times. If your home is surrounded by trees, you could be at risk for an for a very leafy accident. If a tree happens to come crashing through your house will your NJ homeowners insurance pick up the tab?

Whether it be your tree or your neighbors, your insurance company will most likely either
cover the costs itself or try to collect from your neighbor’s homeowners
insurance policy – especially if the accident could have been prevented
by proper maintenance. So the simple answer is yes you are covered.

In addition to that
your NJ homeowners insurance policy also will likely cover damage
to trees and shrubbery in your yard caused by fire, lightning, vandalism
and more! Did you know that you could even file a claim if one of your teenagers accident;y runs over your flower garden and destroys them? It happens!

Regardless it’s always best to discuss the specifics of your policy with your agent. Typically coverage for perils such as the one just mentioned is about 5% of your
total dwelling coverage limit, and most insurance companies include a coverage
limit of about $500 per tree or shrub.

For Insurance in New Jersey, American Insurance Services Agency is
your Insurance Agent of choice. We offer affordable NJ auto, business
and home insurance coverage and policies. Contact us today online or by calling (732)  680-4444