A tree fell on your sisters car while parked in your driveway during an ice storm. Will your homeowners cover this?

Homeowners Insurance is specific to the property of the named insured and sometimes, certain related liabilities of the named insured. The property of others is not covered.

Nobody is liable for an act of nature, including natural falling objects.

Your sister would have to look to her own chosen comprehensive auto insurance policy for an automotive loss.

AnswerI don't believe the homeowners insurance would pay for the damage to the car unless some form of negligence can be established in relation to the tree. For example if it was very rotted and as a result fell on the car negligence might be established as a failure to maintain, but in a loss from a storm peril the coverage for the car would fall on the owner. In regards to the tree I have seen some homeowners policies that pay for removal of the fallen tree, but this is usually when the tree has damaged the dwelling.