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Its too ambiguous to tell as it depends on the covered perils in your policy. Some policies cover falling objects or falling trees. As long as the policy does not have an exclusion for you actually chopping down the tree or something like that then it would probably be covered. If it hit your neighbors house then your liability insurance should most definitely cover it in that case.

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Q: You chopped tree down it hit house will your insurance cover damage or rebuild it?
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