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Does home insurance pay for tree removal?

There’s a tree growing in our backyard that will likely start impacting our pipes. We are considering removing the tree to avoid any damage to our plumbing or sump pump. Will home insurance pay for tree removal?

avatar
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
It’s great you caught that early! Tree roots can wreak havoc on plumbing. Home insurance pays for tree removal, but only in specific situations.
A
home insurance policy
will cover tree removal if it’s related to a covered peril. For example, if a windstorm causes a tree to fall onto your house.
However, in this case, the tree removal is related to general maintenance and upkeep of your home and property. The removal of the tree is to prevent future damage, so insurance companies consider this a homeowner’s responsibility and likely will not cover it.
To confirm your coverage, it never hurts to reach out to your insurance company to explain the situation. As coverage varies between providers, confirming directly with your company is the best way to ensure you know your policy’s coverages and exclusions.
If you decide you’d like to look at other insurance providers after reviewing your coverage, consider using
Jerry
. A licensed broker that offers end-to-end support, the Jerry app gathers affordable quotes, helps you switch plans, and will even help you cancel your old policy.
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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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