answersLogoWhite
Insurance
Homeowner's Insurance
Liability Insurance

Does homeowners insurance cover damage to a private road leading to the house or removal of trees felled by a hurricane?


Top Answer
User Avatar
Wiki User
2014-03-21 20:25:46
2014-03-21 20:25:46
Homeowners Insurance and Tree RemovalYou will need to contact your insurer or refer to your policy language for coverage advice. It really just depends on the type of policy or coverage you have.

If you purchased a more economic HOA or HO1 Policy then likely there will be no coverage for tree removal unless the tree fell on top of your house in which case it would cover it.

HOB Homeowners policies also known as an HO2. May or may not have coverage for Tree and Debris removal depending on the endorsements or exclusions it may carry. Again, unless the tree fell on the house.

An HOC Homeowners policy also known as an HO3 or an "All Risk Policy", Will usually have the coverage for tree and debris removal.

I don't know of any homeowners policy that would cover damage to a road without a specific endorsement for it. There is no HO1 coverage for trees due to wind...either for their value or to cut & haul them off, UNLESS they land on covered property such as your house, fence, detached garage, or any other covered structure on the insured premises. Then, there is normally a limited $$ amount to pick the tree up off the covered property (in order to repair the covered property), cut & haul it off. A paved driveway is usually considered a "structure"....if a tree falls on it & cracks it, there may be coverage.

Related Questions

User Avatar

No. Homeowners Insurance does not cover Auto accidents. Auto Insurance covers automobiles. It does not matter if the auto accident was on public or private property.

User Avatar

What do you mean "private company" If you have HO insurance the bank can not canel it. Only you can.

User Avatar

No--unless it is required by the HOA bylaws or CC&Rs. However, having liability insurance is advisable for a homeowners' association because of the expense and burden of lawsuits in today's world.

User Avatar

No, You would need to look for your auto insurance for road accidents


Copyright © 2020 Multiply Media, LLC. All Rights Reserved. The material on this site can not be reproduced, distributed, transmitted, cached or otherwise used, except with prior written permission of Multiply.