The impact of falling trees on your insurance

As we well know, summer in New England can come in with sunshine — or storms. We’re no strangers to hurricane season and the thrilling summer storms that can take down branches, trees and power lines. That’s why Educators Insurance offers years of experience in helping members prepare for storms and weather the fallout, especially if there are damages.

Storms can bring falling branches and they can cause substantial damage to your home and car. If a tree damages your home, garage or other structure on your property, your homeowners insurance policy can help defray the cost of repairs. It will pay up to $500 to remove the tree from your property, while the cost to remove it from your roof or other part of your home isn’t subjected to this limit.

More generally, your homeowners insurance will kick in to cover the cost of repairing any damages, including to your home and insured property inside it. Your agent can review your deductible and evaluate any additional coverages that may help protect you against loss.

What happens if a storm brings down branches on your car or truck? Your car insurance comprehensive coverage helps defray the loss if there’s damage to your vehicle. Comprehensive insurance applies in cases of theft, fire, vandalism and acts of nature — such as storms and the branches they bring down.

Comprehensive insurance and homeowners insurance from Educators Insurance Agency combine to help take the sting out of damages from summer storms. Contact an agent to learn more about setting up the appropriate coverages so that you can enjoy that other part of summer: all the great weather!