When you are the owner of property you are liable as the home owner for any claim of nuisance or negligence made out against you. It is generally advisable to have Home and Contents insurance which will cover you for your “legal liability”.

Does homeowners insurance cover diseased trees?

Most homeowners insurance policies do not include the removal of diseased trees. Even though diseased trees can be a hazard to the other foliage in your yard, or even to your neighbor’s trees or landscaping, many homeowners insurance policies won’t cover the cost of removing them.

Does homeowners insurance cover other property?

In short, homeowners insurance helps protect you, your home and your belongings from a variety of unexpected events. A standard policy includes four key types of coverage: dwelling, other structures, personal property and liability. Other structures coverage can help pay for repairs.

Does homeowners insurance cover electrical repairs?

You can face many kinds of electrical problems but, unfortunately, your home insurance policy may not cover all of them. However, if any electrical appliances stop working, even a home and contents insurance policy may not cover the cost of repairing the appliance.

Who is responsible when a neighbor’s tree falls on my property?

In the event a homeowner is liable for the damages, his or her personal insurance company will have to pay the damages. The insurer will have to also investigate the claim and defend the homeowner if he or she is sued by the neighbor whose property the tree fell on.

How do I get rid of trees for free?

How to Remove Trees for Free

1. Check to see if your trees are part of a city, state or federal program.
2. Post ads, either in stores, laundromats or online bulletin boards, advertising free wood for anyone willing to cut it up and haul it away.
3. Call the power company to remove any unwanted trees that are near power lines.