If a dead tree falls on a tenants car will your homeowner's insurance cover the damages?

  • September 10 2010 - US
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Answers (10)

Simple answer: if the landlord was liable (i.e. they had a tree that a reasonable person could have predicted might reasonably fall with a brusque wind), then their liability coverage would pick up the payout.  If they weren't liable (i.e. the tree was solid and an act of God took down the person's car), then the car insurance would need to pick it up.
  • July 06 2011
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There are a variety of landlord policies available, not all of which would cover this type of damage.  So the point is that it would be the landlord's "liability" to cover the damage whether he/she had a policy that would cover his liability for the problem or not.  If this where your own property and your own car, that's where your comprehensive coverage on your auto policy would pay.  Hope this helps.
  • March 21 2011
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Profile picture for Frederick1971
Lets make this more interesting. What if it were not a dead tree but the garage door breaking and falling on the roof of the tenants car?
  • March 21 2011
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Insurance is pretty straight forward.  If a car is damaged your auto insurance covers the claim.  If something happens in the home your home owners insurance covers the claim.  Negligence is a complete separate issue, that's why you have liability coverage included in  your home owners policy along with medical.  I hope that helps.

  • December 16 2010
  • 0Yes

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Normally a tree falling on a car comes under the coverage of the automobile's comprehensive coverage if the policy was carrying that coverage.  However, you mention a dead tree and that could possibly come under the liability of the Dwelling Fire/ Landlord policy, with the owner of the property being negligent for not taking care of a dead tree on the property.
  • December 12 2010
  • 2Yes

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Looks like the homeowner's insurance is paying it. At first they said no but with further review they came back and said they would.

  • September 13 2010
  • 1Yes

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This happened at a client's investment property and the damage was covered by the tenant's auto insurance.
  • September 10 2010
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Profile picture for broker_GRI
Sounded like such an existential type of question ;-)

Whenever renting, I've had renters insurance and my leases have a clause advising  tenants to get renters insurance, as their property would not be covered under our policy. Perhaps the car insurance?


Good question. Could you keep us posted?
  • September 10 2010
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Profile picture for sunnyview
Great question. I don't know. I would think that it would depend on how the policy was written. If you were living in the house, many policies would cover damages like that to a guest's belongings up to a set amount just like they would with guest medical coverage if they have an accident on your property.

With a tenant in the house though, I would think the coverage might be different.
  • September 10 2010
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Not clear on "homeowner's insurance" reference with "tenant", but, in general, usually not.

Depends on many factors, including, but not limited to:

Your awareness of it being a potential risk due to it's age/health (in other words, could you be considered "liable"?).
Cause of the branch falling (was it in a storm, or did it just fall due to it's condition)?

Check with your agent...
  • September 10 2010
  • 1Yes

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