The answer is yes and no. Throughout the year, many areas of the country face powerful storms that often result in significant property damage caused by downed trees and limbs. If you fall victim to this type of property damage, here's some information that may be helpful in figuring out what your insurance will and won't cover. Bear in mind that homeowners insurance coverage may vary by state, policy type, and insurer, so check with your carrier or agent for particular coverage questions.
If there is damage to your property caused by trees, your homeowners insurance is the policy to file a claim with--regardless of whether the tree was on your property or a neighbor's. Likewise, if your tree causes damage to a neighbor's property, their policy will cover the claim (although exceptions may apply, depending on the circumstances).
If a tree falls on your property but does no actual damage to any structure, then there is likely no coverage to provide for the cleanup. There must be damage to "real property," which usually includes your home and its contents, a fence, shed, outdoor play equipment like a swing set, a patio, or a driveway.
Most homeowners policies cover the entire cost of repairs to your home caused by downed trees or limbs, subject to any applicable deductible. Damage to other structures or property like a detached garage, shed, or fence is covered under the "Other Structures" part of your policy for up to 10% of the available coverage for your dwelling.
Homeowners insurance typically also covers the cost of actually removing the downed tree or limb from your property, up to a cap per tree. And if a tree or shrub is damaged, your homeowners insurance may pay a limited amount to replace the damaged tree or shrub, depending on the circumstances. However, your homeowners insurance will not cover damage to your car caused by fallen trees or branches. Rather, your auto insurance will cover the cost of repairs if you have comprehensive (fire and theft) coverage, up to applicable policy limits and deductibles.