If your tree falls on your house, your homeowner’s policy will provide coverage for any damages up to your policy limits, after you pay your deductible. This coverage extends to cover damage to your main home, garage, shed or other additional buildings, and structures such as a fence. If there is damage to a structure, debris removal is also covered, up to policy limits.
However, if your tree comes down in your yard during a windstorm without causing any damage to your house or structures, your homeowner’s policy will not pay for debris removal. You are responsible to take care of the removal of the tree.
Related: How Much Does Tree Removal Cost?