Having a tree in your yard is a great way to increase the curb appeal of your home, and also provide both shade and protection. However, there are some dangers that come along with having trees in your yard. If it falls and damages property, having the right insurance policies in place will help to ensure that you aren’t left financially devastated.
If a tree falls on your vehicle, your auto insurance policy will provide coverage, as long as you have comprehensive coverage. The policy will provide coverage up to the actual cash value of your vehicle. If the tree falls and damages your neighbor’s vehicle, the comprehensive coverage portion will also provide coverage for those damages. However, if you don’t have comprehensive coverage on your auto insurance, you’ll be left paying out of pocket to pay for the repairs.
If the tree falls on your house and causes any amount of damage, your homeowners’ insurance policy will provide coverage. Likewise, if the tree falls and damages a shed or any other property, your homeowners’ insurance policy will also provide coverage. However, if the tree falls and no damage is done, you will personally be covering the cost of the clean up.
There are many steps that you can take to make sure all the trees in your yard are healthy and don’t cause damage. One of the best ways to protect your trees is to hire a professional arborist that will be able to tell you if your tree is diseased or has any other problems. They’ll also be able to tell you if the tree should be removed to help keep your property safe.
For all your homeowners and auto insurance needs throughout Minnesota, contact Kurt Rolf Insurance, located in Hopkins.
