Does homeowner insurance cover tree damage?

It may. If the tree fell and hit a house or other structure, there would probably be coverage for repair and for debris removal.

However, if the tree fell or a large limb came off in a storm without hitting a structure, the debris removal coverage would not be triggered. Likewise, the damage to the tree itself is not generally covered.

In all events, and payment to which the insured may be entitled would be subject to the policy deductible.