Your Tree, Your Neighbor’s Property: Whose Insurance Pays?

How to be a good neighbor when your tree drops by uninvited.

Tree falls on property during hurricane Sandy
(Image credit: Getty Images)

Second only to the question of the sound of a tree falling in a forest is who’s on the hook when a tree falls across a property line. But the answer is fairly straightforward, at least from an insurance perspective.

If your neighbor’s property is damaged by your tree, then they should file a claim with their insurance company. If the tree damages their house or other structures (such as a garage, shed or fence), their homeowners policy will generally pay to fix the damage. If the tree damages your neighbor’s car, then their auto insurance policy’s comprehensive coverage usually pays to repair it.

Subscribe to Kiplinger’s Personal Finance

Be a smarter, better informed investor.

Save up to 74%
https://cdn.mos.cms.futurecdn.net/hwgJ7osrMtUWhk5koeVme7-200-80.png

Sign up for Kiplinger’s Free E-Newsletters

Profit and prosper with the best of expert advice on investing, taxes, retirement, personal finance and more - straight to your e-mail.

Profit and prosper with the best of expert advice - straight to your e-mail.

Sign up

To continue reading this article
please register for free

This is different from signing in to your print subscription


Why am I seeing this? Find out more here

Senior Retirement Editor, Kiplinger.com

Elaine Silvestrini has worked for Kiplinger since 2021, serving as senior retirement editor since 2022. Before that, she had an extensive career as a newspaper and online journalist, primarily covering legal issues at the Tampa Tribune and the Asbury Park Press in New Jersey. In more recent years, she's written for several marketing, legal and financial websites, including Annuity.org and LegalExaminer.com, and the newsletters Auto Insurance Report and Property Insurance Report. 

With contributions from