Tree Fell on a Rental Property: Landlord or Tenant Pays?

When a tree hits a rental home, the landlord's policy and the tenant's renters policy usually cover different things. Here is who typically handles what.

When the House Isn't Yours

A tree coming down on your home is stressful. When you rent, there is an extra layer of confusion: whose insurance applies, who calls the tree service, and who pays for what? The answers usually split along a clear line between the building and the belongings inside it, but coverage varies by policy and by lease, so treat this as a general guide rather than a promise.

First, Safety

Before worrying about who pays, get everyone out of any room where the tree has broken through. If a power line is involved, stay well back and call the utility and 911. Shut off water if a pipe is broken and you know where the valve is. Do not try to cut or move the tree yourself.

Who Typically Covers What

The Landlord's Policy: The Building

A landlord usually carries a dwelling or landlord policy on the rental property. That policy typically covers the structure itself: the roof, walls, windows, and often detached structures like a garage or fence. Removing a tree that struck the building is generally part of the landlord's claim, subject to the policy's limits for tree and debris removal.

The Tenant's Renters Policy: Your Belongings

A renters policy typically covers your personal property, such as furniture, electronics, clothing, and other belongings damaged when the tree came through. Many renters policies also include additional living expenses if the unit becomes uninhabitable and you need to stay somewhere else for a while. Check your declarations page for limits and your deductible.

Vehicles

If a tree fell on your car in the driveway, that is usually a matter for your auto policy, typically under comprehensive coverage, not the landlord's or renters policy.

When There Is No Renters Policy

Without renters insurance, a tenant may have no coverage for damaged belongings. The landlord's policy generally does not cover a tenant's possessions. If you rent without coverage, this is a good reason to look into a policy.

Who Arranges the Removal?

In most cases, the landlord or property manager arranges tree removal and structural repairs, because the building and its claim belong to them. Your lease may spell this out. If you cannot reach the landlord and the tree is actively letting rain into the home, emergency steps like tarping may be needed to prevent further damage. Try to get the landlord's approval before hiring anyone, and document your attempts to reach them if you can't.