What if a tree from my neighbor’s yard fell and destroyed my fence. Does my policy pay for the damage, or does my neighbor’s policy? What about the tree removal?

Your policy would be responsible for your fence and removal of any part of the tree located on your property. Home insurance is a contract between the insurer and the insured. The contract covers damage to your home, even if the cause of the damage comes from an off-premises hazard. Contact us for any follow-up questions.