Trees can be tricky, but for the most part, homeowners are responsible for what falls into their own garden. So if a storm causes your neighbor's tree to fall in your garden, your homeowner can insure you to cover the cost of removing the tree and repairing the damage that caused your property after your deductible.
The same applies in reverse: If a tree on your property falls in the neighbor's garden, your neighbor should contact his insurance company to determine the type of coverage for damage or remediation in their garden.
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