What does your home insurance cover if an object falls and damages your home?
The falling object coverage in your home insurance policy includes protection against unlikely events like a meteor, asteroid, satellite, and any other space debris hitting your home. However, these risks are definitely not what most homeowners file a claim for. Instead, the biggest falling object threats to New England homes are generally upturned trees, cracked limbs, and broken branches. Our region’s high winds, heavy rains, and ice and snowstorms are known to bring even a healthy tree down, causing a heap of trouble for homeowners. From crashing through your roof and ceiling to cracking windows, gutters, and siding, falling branches, limbs, and, in a worst-case scenario, a whole tree can cause significant property damage. But this is exactly the reason you have home insurance; to cover unforeseen losses like the damage caused to your home and other structures on your property when Mother Nature knocks down a tree. There are a couple of limitations to this coverage, though. If, for example, a tree simply falls in your yard and does not damage your home, garage, fence, shed, or any other insured property, then you have no loss to claim. Because limits and exclusions vary so much from policy to policy, it’s important to go over your specific falling object coverage with your insurance professional.