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Do trees affect home insurance?
My wife and I are looking for a new home insurance policy. One company asked us if there are any trees near the house. Why does this matter? Do trees affect home insurance?
Bonnie Stinson · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Great question! Trees can affect home insurance prices if they are located near the main dwelling on the property.
It’s unlikely that you will be denied a policy for having many trees in your yard. However, you may have to pay slightly more than the average premium if trees on your property are deemed a risk to your house.
Insurance companies calculate everything based on risk. They look at factors that would affect your risk of having to file a claim, including your zip code (for theft risk), your marital status (for financial stability), and more. Trees on your property are a part of this risk calculation.
A large tree growing directly next to your home is far more likely to damage your house in a storm than some small shrubs all the way out at the property line.
But in exchange for your honesty—and paying slightly more—you will be covered if the tree falls on your property due to a
covered peril
. One final note: you should always remove old and rotting trees from your property as soon as you notice their condition. If your home is damaged by a visibly rotting tree, your claim will be denied as the damage will be classified as preventable.
If you want help finding a great new
homeowners insurance
or car insurance
policy, reach out to Jerry
. The Jerry app can help you compare competitive quotes from many top providers and make an easy in-app switch when you find a new policy you like.
View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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