If your neighbor’s tree falls on your house, your insurance policy would cover the claim for the direct damage to your home. It doesn’t matter whose tree it is; your insurance takes care of the repairs. In the event that your neighbor is found responsible for having a knowingly unsafe tree, your insurer may seek reimbursement from them for the expenses they covered on your behalf. This way, your coverage addresses immediate concerns, and any responsibility issues are dealt with afterward if needed.