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Sep 27, If any portion of a tree breaks off or falls over and damages your car, then your insurance policy may cover the loss. Your homeowner’s insurance coverage will not normally cover this loss, meaning you will need to have active car insurance with the proper coverage option to be covered. If you're the owner of both the fallen tree and the vehicle, your homeowners insurance policy likely won't cover the damage to your car.

If the tree that fell on your car belongs to a neighbor, in many cases, you would likely still rely on the comprehensive coverage in your auto insurance policy. But, your neighbor's homeowners insurance policy may help cover the damage if it can be proved that the tree fell due to Estimated Reading Time: 5 mins.