If you rent a house or apartment near any trees, there’s always a risk that a tree could fall or drop branches that cause severe damage. Will renters’ insurance cover repairs, tree removal, or any related losses? Here’s what you need to know.

What Renters’ Insurance Covers

Renters’ insurance may repair or replace a tenant’s personal belongings that are harmed by a tree falling during a storm. However, it typically won’t cover damage caused by a diseased or dead tree falling due to a lack of maintenance.

If a tree falls on your car, renters’ insurance may cover belongings inside the vehicle but not the car itself. Vehicle damage could be covered by comprehensive auto insurance or a landlord’s liability policy (if the tree fell on the vehicle due to negligence).

Renters’ insurance does not cover structures, trees, or anything owned by the landlord. Decatur, AL, property owners are responsible for repairing roofs, removing fallen branches, and addressing other structural issues. A landlord should have their own insurance policy to cover the building.

Tree Location

A tree that falls on your home might have been located on the same property, a neighboring lot, or public land. Fortunately, it generally doesn’t matter where the tree was planted. You’ll still be able to make a renters’ insurance claim regardless of its original location.

Living Elsewhere

Significant damage could force you to leave your home while waiting for repairs to be completed. In this situation, renters’ insurance often compensates tenants for reasonable extra costs like lodging and meals at restaurants. Be sure to keep all receipts for reimbursement.

Will Wright Agency Inc. provides access to a variety of dependable renters’ insurance plans from several top carriers. Our highly skilled agents can help you make the right choice. To get started, please visit Will Wright Agency Inc. in Decatur, AL or call 256-353-5537 today.