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Oftentimes, car insurance policies do cover other drivers when someone besides you is using your vehicle. But a number of factors impact whether or not a claim will be approved by your insurer, including what drivers are listed on your policy and whether the driver had permission to drive your car.

Learn more about when your car insurance covers other drivers and when you may be liable for any damage that occurs when someone else is behind the wheel.

Understanding Coverage for Other Drivers

Does car insurance cover the car or the driver when an accident occurs? In general, your auto insurance policy is attached to the vehicle. But certain factors could impact whether or not another driver is covered.

How Car Insurance Typically Covers Additional Drivers

Car insurance usually covers other drivers if they have the owner’s permission to drive the vehicle. Any drivers who live in your household should be listed on your insurance policy, especially if they regularly drive your car. Otherwise, you run the risk of having a claim denied.

Coverage may also extend to people who don’t live with you. For instance, family guests staying at your home or a friend who borrows your car with your permission may be covered under your policy.

Of course, there are exceptions to keep in mind. Coverage might not apply if you rent your car out to a car-sharing company or if the vehicle is being driven for a commercial use not included in your policy. The same holds true if your policy lists any excluded drivers, such as an elderly relative or someone in the household with a poor driving record.

The Distinction Between Liability and Collision Coverage

Even if another driver is covered by your policy, getting approved for a claim depends on what your car insurance covers. Two common types of policies are:

•   Liability coverage, which helps cover damage to other vehicles and property as well as medical expenses if you’re at fault.

•   Collision coverage, which helps cover damage to your vehicle only when you’re involved in an accident and are at fault.

Both collision and liability auto insurance come with a maximum dollar amount covered. You’re also responsible for your deductible, which is subtracted from the reimbursement funds you may receive from your insurer.

Factors That Influence Your Coverage Limits

Coverage limits typically aren’t impacted when you let other drivers use your car, but it’s important to understand how you (and others) are covered.

•   State minimums: Most states require liability insurance with a minimum amount of coverage. For instance, $25,000/$50,000/$50,000 refers to the maximum coverage for bodily injury per person, bodily injury per accident, and property damage per accident.

•   Cost of premium: You can get higher coverage on both types of policies, but your premium will likely cost more.

Recommended: How Much Auto Insurance Do I Really Need?

Permissive vs. Non-Permissive Use

Whether or not car insurance covers other drivers also depends on if they had permission to get behind the wheel. This distinction is called permissive vs. non-permissive use.

Definition of Permissive Use and Its Implications

Generally speaking, permissive use is exactly how it sounds: You’ve given permission to another driver to use your car. In many cases, this means your car insurance coverage stays with your car and any driver who has your permission.

The term becomes less clear-cut when a driver regularly uses your car but isn’t listed on your policy. That could be a family member, a roommate, or a babysitter who picks up your kids, so pay attention to how frequently someone actually drives your car.

What Happens with Non-Permissive Use

There are several examples of non-permissive use, which also have an impact on whether or not car insurance covers the driver or the car.

When your car is stolen, for example, you didn’t give the driver permission. If an accident occurs and that driver is at fault, you won’t be held liable. Instead, the thief or victim will be responsible for any damages. However, damage to your own car will typically only be covered if you carry comprehensive insurance.

Examples of Scenarios for Both Types of Use

Determining whether a situation qualifies as permissive or non-permissive use involves a number of factors and plenty of nuance. Here are two interesting examples that went to court for a final ruling.

Permissive use

One court case involved a daughter who had permission from her parents to drive her car. Her friends were not allowed to drive the vehicle. But after getting sick, she asked a friend to drive, who then got in an accident. This was interpreted as an emergency due to the sudden illness and was considered permissive use.

Non-permissive use

In another court case, a mechanic had permission to drive a customer’s car while repairing it. But he was in an accident while driving the car late at night with friends (without any repair work happening), so this was ruled non-permissive use.

Recommended: How Car Insurance Works

Whose Insurance Applies in an Accident?

When two parties are involved in an accident, the insurance used to cover the damage depends on who is at fault.

Your Policy: The Role of Primary vs. Secondary Coverage

When your policy is used to cover damages from an accident, your primary insurance policy will pay out first. You can get coverage up to the limit of each component of your policy, such as liability and collision.

Remember, however, that you’re financially responsible for your deductible. So if the claim reimbursement totals $5,000 and your deductible is $500, you’ll only receive $4,500 from your insurance company.

Secondary coverage covers any eligible damage that goes beyond your primary coverage. Examples of secondary insurance include:

•   Supplemental liability coverage

•   Rental car insurance

•   Health insurance applied to accident-related injuries

How Insurance Claims Are Processed with Multiple Policies

When you have multiple policies and someone else is driving your car, your primary policy will go into effect first. Any relevant supplemental policies will be used next, including the actual driver’s own car insurance policy.

But if the driver of another car is found at fault, their insurance coverage should pay for any damage or medical bills, even if someone else is driving your car.

If the driver of your car didn’t have permission, they will likely be liable for any damages that were their responsibility.

Situations That May Complicate Liability

One issue that can complicate liability is if you allow an uninsured driver to use your car. Your policy may still cover damages up to the policy limits, but that driver could also be liable for damages beyond your maximum coverage.

Need a refresher on how car insurance works? Consider checking out our auto insurance guide.

Things to Consider Before Allowing Others to Drive Your Car

Is it worth letting someone else drive your car? Here’s what to think about.

Potential Risks of Lending Your Vehicle

These are some common risks involved with letting someone else drive your car:

•   Your insurance premium could increase after the claim.

•   You’ll be responsible for the deductible.

•   The claim could be denied if the other driver frequently uses your vehicle.

•   You could be responsible for camera-enforced tickets .

Insurance Implications for Accidents Involving Other Drivers

When someone else is driving your car and gets into an accident, you’re responsible for the claims process. You must also pay your deductible, and as previously mentioned, your annual premium could go up.

Best Practices for Sharing Your Car Safely

Before you let anyone else drive your car, get the facts in order. Find out details around the driver’s license status, driving record, and age.

Also consider the condition of your car, as well as the weather conditions in which they’ll be driving. If you’re loaning your car to a new driver, for example, you may want to think twice if rain is in the forecast.

The Takeaway

If you’re considering loaning out your car to a friend, you may wonder, Does my car insurance cover other drivers? Typically, it does, but there are several factors that could impact whether your insurance company will approve a claim in the event of an accident. Before you decide to loan out your car, it’s a good idea to review your policy terms or talk to your insurance agent.

When you’re ready to shop for auto insurance, SoFi can help. Our online auto insurance comparison tool lets you see quotes from a network of top insurance providers within minutes, saving you time and hassle.

SoFi brings you real rates, with no bait and switch.

FAQ

What happens if a friend crashes my car but they have their own insurance?

First, your own insurance will likely serve as the primary insurance to pay out any damages. If the damage exceeds your policy limits, your friend’s car insurance could kick in to cover the difference.

Am I covered if I get into an accident while borrowing a friend’s car?

It depends on the situation. Assuming you have permission to use the car and are not a frequent driver of their vehicle, you could be covered up to the limits of your friend’s insurance policy.

Do I need to add my roommate or a family member to my policy?

If your roommate or a family member regularly uses your vehicle, you should consider adding them to your policy.

What is an “excluded driver” on a car insurance policy?

An excluded driver is a specific individual listed on your policy who is not allowed to drive your vehicle. It could be someone in the household with a bad driving record (such as a DUI), or an elderly relative who is no longer allowed to drive.

Will my rates go up if someone else has an accident in my car?

Yes, it is possible that your rates will go up if someone else has an accident in your car. However, there may not be an impact if the driver of another vehicle was at fault.

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Photo credit: iStock/Prostock-Studio

Auto Insurance: Must have a valid driver’s license. Not available in all states.
Home and Renters Insurance: Insurance not available in all states.
Experian is a registered trademark of Experian.
SoFi Insurance Agency, LLC. (“”SoFi””) is compensated by Experian for each customer who purchases a policy through the SoFi-Experian partnership.

Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

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Your car insurance is designed to cover the cost of repairs to your vehicle in case of accident or damage in events like theft, vandalism, or natural disasters. As a result, car insurance likely covers the replacement of a broken windshield, but it will depend on how the windshield was broken and what type of coverage you carry.

Understanding how different types of coverage work is key to knowing when you’ll pay out of pocket and when insurance will pick up the tab.

Does Car Insurance Cover Windshield Damage?

There are different types of car insurance coverage. Windshield damage is typically covered through collision or comprehensive insurance. How your windshield is damaged will determine which of these kicks in to pay the cost.

Types of Coverage That Apply to Windshield Damage

Here’s a closer look at the two types of auto insurance coverage that will typically apply to windshield damage.

•   Collision coverage covers the cost of repairs after your car has been in an accident with another vehicle or a stationary object, such as a lamp post or tree, regardless of who’s at fault. It’s typically optional and not required by state law, though some lenders may require it if you finance the purchase of your vehicle.

•   Comprehensive coverage protects your car from non-collision damage. This includes theft, vandalism, fire, falling objects, hitting an animal,and natural disasters like flooding or hail storms. Like collision insurance, comprehensive coverage is an optional add-on.

Both collision and comprehensive coverage usually have a car insurance deductible. This is an amount that you have to pay out-of-pocket before your insurance kicks in. For example, if you have a $500 deductible and a fallen branch causes $1,000 worth of damage to your car, you’ll have to pay $500 toward the cost of repair first before you comprehensive insurance steps in to pay the rest.

Differences Between Comprehensive and Collision Coverage for Glass

To be clear, your collision coverage pays for the cost of windshield replacement when it has been damaged in a collision with another vehicle or object. Your comprehensive coverage will pay in most other scenarios, like if a tree branch falls on your car, for example.

State-Specific Regulations and “Full Glass Coverage”

One important thing to know is that the cost of windshield replacement may be less than your insurance deductible. On average, replacement can cost between $200 and $500. But where you live could impact how much you’ll pay.

In Florida, Kentucky, and South Carolina, no deductible is charged for a windshield replacement if you carry comprehensive insurance and meet coverage requirements. A handful of states allow you to purchase separate glass coverage with no- or low-deductible options for windshield replacement. These states usually require that you carry comprehensive coverage as well. States that require insurers to offer separate glass coverage include Arizona, Connecticut, Massachusetts, Minnesota, and New York.

Drivers in other states may need to pay for the cost of windshield replacement out of pocket.

Recommended: Auto Insurance Guide

When to Repair vs. Replace Your Windshield

You don’t always have to replace a damaged windshield — chips and short cracks can be repaired. That’s a good option for chips that are less than an inch across and for cracks that are shorter than the length of a dollar bill.

Signs That Indicate a Windshield Needs Replacement

Sometimes, the damage to your windshield requires a full replacement. You’ll want to go this route if a crack is longer than a dollar bill or if it’s near the edge of your windshield, as this could affect the structural integrity of the glass.

Cracks or chips that are directly in your line of sight may signal that your windshield needs to be replaced. Even if they can be repaired, the resin used to fix them will still leave a mark that could impair your vision.

Cost Comparison Between Repair and Replacement

The cost of small repairs to a windshield can be relatively low, around $60 to $90. By comparison, the cost of replacing your windshield could be significantly more.

Replacing windshields on older vehicles tends to be the cheapest scenario. This is where you can expect to pay the above-mentioned $200 to $500. There are several factors that can increase costs from here. If your car has a larger-than-standard windshield, is a luxury vehicle, has a special design, or includes technology built into the windshield, be prepared for costs to be higher.

For instance, if your windshield includes advanced driver assistance systems, such as automatic braking and adaptive cruise control, plan on paying $1,000 or more to replace it.

Recommended: How to Lower Car Insurance

How a Windshield Claim Works

In general, a windshield claim is relatively simple to file. First, be sure the repair or replacement is covered by your comprehensive insurance or additional glass coverage. You can do this by calling your insurance provider or looking at your auto insurance terms and policy details.

Filing a Claim and Your Deductible

To file a claim, contact your insurer’s claims center and provide your personal information and policy number. Describe the damage and be prepared to provide documentation, such as pictures or a video. Your insurance company can help you determine the cost of repair or replacement. If cost is less than your deductible, you may need to foot the bill yourself.

When your car is serviced, you might need to pay the deductible amount first, and your insurance company will pay the remaining amount directly to the shop.

How Insurance Companies Handle Repair vs. Replacement Costs

Based on the severity of the damage, you may be able to repair your windshield or you may need to replace it entirely. In the case of a minor repair, your insurance company might waive your deductible. However, your deductible may apply to a full replacement.

Choosing a Glass Repair Shop

Your insurance company may provide a list of recommended repair shops to repair or replace your windshield. But in general, you have the final say over where to take your car.

The Takeaway

Does car insurance cover a cracked windshield? When it comes to a damaged windshield, covered repairs or replacements are not necessarily a given. It depends on your policy, how the damage occurred, and the cost of repairs. Understanding what your auto insurance covers and knowing your options ahead of time can help save you from surprises when repairs are needed.

When you’re ready to shop for auto insurance, SoFi can help. Our online auto insurance comparison tool lets you see quotes from a network of top insurance providers within minutes, saving you time and hassle.

SoFi brings you real rates, with no bait and switch.

FAQ

Will filing a windshield claim raise my insurance rates?

Unfortunately, filing a windshield claim could raise your insurance rates when you renew. However, this will depend on your coverage and other factors, such as state law.

Do I have to pay a deductible for a small chip repair?

Many insurance companies will waive the deductible for repairs to small chips, so you likely won’t have to pay for these fixes.

What is “full glass coverage” and how do I know if I have it?

Full glass coverage is an insurance add-on with low or no deductible for windshield and other auto glass repairs. This is coverage that you have to choose. If you can’t remember whether you have chosen it in the past, you can review your auto insurance policy.

Can I choose my own glass repair shop?

You can choose your own glass repair show, though your insurance company may provide a list of preferred shops.

What if the windshield was damaged in a car accident?

If your windshield is damaged in a car accident, the cost of repair may be covered by your collision insurance.

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Photo credit: iStock/4kodiak

Auto Insurance: Must have a valid driver’s license. Not available in all states.
Home and Renters Insurance: Insurance not available in all states.
Experian is a registered trademark of Experian.
SoFi Insurance Agency, LLC. (“”SoFi””) is compensated by Experian for each customer who purchases a policy through the SoFi-Experian partnership.

Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

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More and more people are purchasing electric vehicles (EVs) for their environmental benefits and financial advantages, such as lower fuel and maintenance costs.

But one important consideration when owning an electric vehicle is the cost of insurance. While insurance for EVs generally works the same as insurance for cars with combustion engines, premiums tend to be more expensive.

Here’s a look at what you need to know before you insure an EV.

Understanding Electric Vehicle Insurance

In general, EV insurance works the same as insurance for a gas-powered car. You pay an insurer a premium for coverage against financial losses in the case of an accident or other damage to your vehicle. It can also protect you against medical bills or other property damage that might occur in the case of an accident.

What Is Electric Vehicle (EV) Insurance?

Most insurers offer the same standard coverage options for EVs that they do for gas-powered cars. This means you’ll probably consider options like liability, collision, and comprehensive coverage when insuring an electric vehicle.

Though not required, you can also purchase additional coverages for extra peace of mind.

How Does EV Insurance Differ from Traditional Car Insurance?

The most notable difference between insuring an EV vs. a hybrid or gas-powered car is the cost. The cost of car insurance for electric vehicles tends to be higher, and there are a few reasons why.

For starters, it can be expensive to repair an EV, as the price of equipment is relatively high — at least right now. Also, not all mechanics work on electric vehicles. You may have to go to a special shop to have repairs made, which could add to the overall cost.

Plus, EVs tend to be more expensive to replace, and as a result, an insurer may decide to charge more for coverage.

The Importance of Specialized Coverage for EVs

As we discussed, EVs typically have a higher value than gas-powered cars, and they often cost more to repair. Purchasing specialized coverage for your electric vehicle may help provide an extra level of protection.

Coverage for your car’s battery, for instance, might be worth exploring, as replacing one can be very expensive. You may also want to look into rental reimbursement coverage, which can help you save money while your EV is being repaired.

Factors Affecting Electric Vehicle Insurance Costs

As we’ve mentioned, there are several factors that can impact the cost of EV insurance premiums. Let’s take a closer look at two common ones.

Vehicle Value and Its Impact on Premiums

EVs tend to be more expensive than traditional cars. The average price paid for a new electric vehicle was about $55,689, according to August 2025 data from Kelley Blue Book. Gas-powered cars averaged about $48,800. That’s a difference of nearly $7,000.

Why the higher cost? EVs make use of specialized technology, such as batteries or regenerative braking systems, which can cost a lot to replace. Battery systems often use expensive raw materials like lithium and cobalt that increase manufacturing costs. Replacing a battery alone can cost anywhere from $5,000 to $20,000.

Higher costs mean the vehicle is more costly to replace or repair. They also signify a greater risk for insurers, which can lead to higher insurance premiums.

The High Cost of EV Repairs

Repairing EVs often requires the services of specialty mechanics who have been trained in electric vehicle repair. The number of repair shops that offer these services may be limited, and working with specialized shops can be more costly than working with traditional mechanics.

Recommended: Cheapest Car Insurance Companies

Discounts and Savings for Electric Vehicles

While the cost of EV insurance may be higher, there are opportunities to help offset it.

Types of Discounts Available for EV Owners

For now, the federal government offers a tax credit of up to $7,500 for people who buy or lease an EV. That tax credit is set to expire on September 30, 2025. If you made a payment on an EV before that date, you can claim the credit, per the IRS.

Though the federal tax credit is ending, many states offer incentives of their own in the form of rebates and tax deductions. For example, in California, the California Air Resources Board offers grants of up to $7,500 for EV buyers with qualifying incomes. It also offers grants for charging units of up to $2,000. In New York, you may get a point-of-sale rebate of up to $2,000 is available through the New York State Energy Research and Development Authority.

Local municipalities may also offer various incentive programs.

How to Qualify for Lower Insurance Rates

Qualifying for a lower insurance rate is another way to defray the costs of insurance. The best way to save on the cost of car insurance is to maintain a good driving record. You might consider other strategies such as bundling your auto insurance with home insurance that can reduce overall cost.

You might consider increasing your deductible. Doing so will mean that you will have to pay more out of pocket in the event of an accident. But the more risk you shoulder, the lower your monthly premium may be, which could work to your advantage in the long run.

Another way to save on car insurance: Maintain a good credit score. Studies show that a good score is correlated to safer driving behaviors, so insurers may look at your credit score when setting premium rates. You can give your score a boost by always making payments on time and paying off debts to reduce your credit utilization ratio.

Essential Coverage for Electric Cars

Car insurance coverage needs are typically the same for EVs as they are for traditional gas-powered vehicles. You’ll want to consider liability coverage (required in most states), collision coverage, and comprehensive coverage.

Liability auto insurance covers the cost of property damage and injury to others that you might cause in an accident. Collision insurance covers the cost of damage to your car in an accident, while comprehensive insurance protects against damage that might occur outside of an accident, such as theft or damaging weather events.

Insurers may offer protection specific to EVs, such as coverage for batteries that have been damaged in a covered event.

Recommended: Cheapest Cars to Insure in 2025

Getting Your Electric Vehicle Insurance Quote

The first step toward insuring your EV is obtaining a quote from an insurer.

How to Obtain a Personalized Quote

To get a personalized quote, you’ll need to provide potential insurers with the following information:

•   Personal information, including your name, date of birth, and address.

•   Your vehicle identification number, or VIN, and the year, make, and model of your car

•   Information about the drivers who will be driving the vehicle, including their driving records

•   Estimate annual mileage you will be driving

Benefits of Comparing Quotes Before Deciding

Always obtain quotes from multiple insurers. Compare offers to help make sure you are getting the coverage that you need at the best price. Consider online car insurance, which offers personalized coverage at competitive rates.

The Takeaway

For now, EV insurance is more expensive than regular car insurance. However, as the technology continues to become more common and more electric vehicles hit the road, the price of policies may come down. In the meantime, take advantage of grants and tax incentives to help offset the cost of insurance, and be sure to compare options to maximize coverage at the best price.

When you’re ready to shop for auto insurance, SoFi can help. Our online auto insurance comparison tool lets you see quotes from a network of top insurance providers within minutes, saving you time and hassle.

SoFi brings you real rates, with no bait and switch.

FAQ

Is it always more expensive to insure an electric car?

The cost of insurance for electric cars isn’t always more expensive, but it tends to be higher than for equivalent gas-powered vehicles. That’s largely due to the higher sticker price of vehicles and the higher cost of repairs and replacement parts.

Does car insurance cover my EV battery if it gets damaged?

Your car insurance may cover the cost of your EV battery if it is damaged in a covered event, such as an accident, a theft, or a natural disaster. However, it won’t cover damage caused by normal wear and tear.

Do I need special insurance to cover my home charging station?

You probably don’t need special insurance to cover your home charging station. However, it is worth checking with your homeowners insurance provider to find out if you are covered.

Are there special discounts for owning an electric vehicle?

There are government incentive programs that can provide discounts for owning an electric vehicle. Research what’s available in your area before you make a purchase.

How does insuring a Tesla compare to other EVs?

Teslas may have a higher purchase price than other EVs. As a result, the cost of insuring them may also be higher.

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photo credit: iStock/3AlexD
Auto Insurance: Must have a valid driver’s license. Not available in all states.
Home and Renters Insurance: Insurance not available in all states.
Experian is a registered trademark of Experian.
SoFi Insurance Agency, LLC. (“”SoFi””) is compensated by Experian for each customer who purchases a policy through the SoFi-Experian partnership.

Non affiliation: SoFi isn’t affiliated with any of the companies highlighted in this article.

Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.

Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

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This content may include information about products, features, and/or services that may only be available through SoFi's affiliates and is intended to be educational in nature.

Understanding your homeowners insurance is important, especially when damage occurs from something as serious as a fire. The good news is that there are many instances when fire damage is covered by standard policies. But there are also some exceptions to getting your claim approved.

What Does Homeowners Insurance Cover After a Fire?

Most policies include damage caused by a fire. But what does homeowners insurance cover when you file a claim? There are actually three different parts of your policy you can access to get financial help if you’ve had a fire at home. Let’s take a look at each one.

Your Home’s Structure (Dwelling Coverage)

Your dwelling coverage covers the structure of your home, up to a limit listed in your policy. How the insurer estimates reimbursement for a claim depends on whether your policy is based on replacement cost or actual cash value.

•  Replacement cost: This coverage is more comprehensive because it covers the current cost to replace or repair your property without deducting for depreciation costs.

•  Actual cash value: This option, on the other hand, reduces your payout using depreciation. That means it accounts for the age and condition of the property, rather than the current price.

Dwelling coverage also pays for damage caused to attached structures like a garage. Usually the maximum coverage amount is 10% of your home’s dwelling coverage.

Your Personal Property and Belongings

All of the items in your home are also covered under your homeowners insurance policy — up to a limit, usually between 50% and 70% of your dwelling covered. So if the home itself is covered for $400,000, then your personal belongings likely have a limit between $200,000 and $280,000.

Note that there may be category limits for high-ticket items like jewelry, art, or collectibles. In order to fully insure them, you might need to get them appraised and purchase an extra policy endorsement.

Additional Living Expenses (Loss of Use)

Depending on the extent of fire damage in your home, it may be unsafe to stay there until repairs are completed. Typical homeowners insurance policies include additional living expenses (ALE) coverage, which pays for extra costs like hotels and meals, up to a limit.

How Do I File a Fire Damage Claim?

Your insurance provider may have different options available for filing a claim, such as on the phone, online, or through their mobile app. Follow these steps to help improve your chances of getting your fire claim approved.

Immediate Steps to Take After a Fire

Once the fire itself is addressed, take these actions to stay safe:

•  Protect open entries: Board up broken doors or windows. You could do this yourself if the fire only caused minor damage, or you may need to hire professionals if the fire damage is extensive or there are structural concerns.

•  Find a safe place to stay: It may not be safe to stay in your home if the fire was widespread and caused smoke damage.

•  Contact police: Consider contacting your local police to let them know you’re temporarily leaving the property.

•  Contact your insurance company: Once these immediate needs are taken care of, it’s time to start the claims process.

Documentation Needed for Your Claim

The claims process may vary depending on your insurance company. But you’ll likely need to submit the following types of documents in order to move forward with your claim:

•  Photos and/or video of the damage

•  Home inventory, if you have it

The more details you can provide, the better.

The Claims Timeline and Process

Here’s what usually happens once the insurance company has your claims information:

•  An adjuster is assigned to estimate the damage done to your home and personal property.

•  Your claim will be approved or denied.

•  The insurance company will let you know how much money you’ll receive to repair the home based on your coverage.

When it’s time to start the repair process, the insurance company may make payments directly to the contractor, or they could pay you directly to manage the repair process. If you have a mortgage, the lender may also be included in the process to make sure repairs are completed.

The timeline of approving or denying a claim varies by state, but usually you’ll hear back within two weeks. That said, it can take longer to receive your payout, and the insurer can request an extension if they need to investigate additional details surrounding the fire.

Recommended: Homeowners Insurance Guide

What Fire Damage May Not Be Covered

Damage caused by fire, lightning, and smoke are considered covered perils in most standard policies. But there are some common exclusions and other situations that may impact your eligibility.

Standard Policy Exclusions

Policy exclusions for fire damage usually include fires that are set intentionally or caused by an act of war. Check your specific policy to see additional details that may apply.

Wildfire Damage Considerations

Does homeowners insurance cover wildfires? It depends on your policy. Historically, wildfires haven’t been listed as an exclusion, but that has begun to change in areas that are prone to them. Consult your policy to find out if you’re covered.

Understanding Negligence vs. Intentional Acts

An intentional fire is set on purpose, but what about a fire caused by negligence? Whether a candle is left burning unattended or a kitchen fire spreads too fast, there are instances that aren’t purposeful but could have been prevented.

The good news is that fires caused by negligence are usually covered by homeowners insurance. But it’s up to your insurer to determine what’s considered negligence and what’s gross negligence. For instance, a claim that involves faulty wiring you ignore and then ignites your home may be ruled as gross negligence — and may not be covered.

Understanding Your Fire Coverage Limits and Deductibles

Home insurance does cover fire in many cases, but how much money can you actually expect to receive from your insurance company? Several factors will influence your claims payout, such as the type and coverage limits of your policy, the cause and extent of the fire damage, and your adherence to the claims process.

How Your Coverage Limits Are Determined

You can choose how much coverage you want on your home. Your premium will cost more for a higher level of coverage, but you’ll receive better reimbursement in case a major event like a widespread fire occurs in your home.

When estimating the cost to rebuild your home, consider factors such as:

•  Size of your home

•  Attached structures

•  Quality of materials used in your home

•  Local labor costs

The Importance of Reviewing Your Limits Annually

As inflation causes the price of materials and labor to increase each year, it’s smart to regularly review your policy limits. Consider increasing your coverage in increments to keep up with rising costs. Alternatively, you can purchase an inflation guard clause as an addition to your policy.

Another option is extended replacement cost coverage, which pays extra money above your standard coverage in case a region-wide disaster causes prices to skyrocket due to increased demand.

How Your Deductible Affects a Fire Damage Claim

A deductible is an important homeowners insurance term to understand. It’s the amount of money you must pay out of pocket towards your repair or replacement costs for an approved claim. The most common type is a fixed deductible (usually between $100 and $5,000), but you may see a percentage of the home’s insurance value instead.

Recommended: How to Buy Homeowners Insurance

The Takeaway

Finding the right homeowners insurance coverage is important to protect your finances from major events like fire damage. While home insurance typically covers fires in many cases, the amount of your claims payout will be influenced by several factors. These include your policy’s type and coverage limits and the severity of the damage.

Find affordable homeowners insurance options with SoFi Protect.

FAQ

Is my personal property covered at replacement cost or actual cash value?

It depends on your individual policy. Find this information by looking at a copy of your full insurance policy under personal property coverage. Contact your insurer if you can’t find a copy.

What’s the first thing I should do if my house has a fire?

The first step is to evacuate your home and call 911 to get help from your local fire department. Make sure you and your loved ones are safe and get medical help if necessary. Once the fire is contained, the fire department can help you figure out whether or not your home is safe to enter and stay in.

Are wildfires covered by homeowners insurance?

Does home insurance cover forest fires and other wildfires? It varies by policy. There may be a wildfire exclusion if your area is particularly prone to this type of disaster.

How does my deductible work for a large fire claim?

Your deductible is subtracted from the payout once your claim is approved. It doesn’t matter if you’ve already had claims during the year — deductibles apply to each individual event.

If I accidentally cause a house fire, am I still covered?

In many cases, accidental fires are still covered by homeowners insurance. The exception is if the fire was caused by gross negligence.

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Auto Insurance: Must have a valid driver’s license. Not available in all states.
Home and Renters Insurance: Insurance not available in all states.
Experian is a registered trademark of Experian.
SoFi Insurance Agency, LLC. (“”SoFi””) is compensated by Experian for each customer who purchases a policy through the SoFi-Experian partnership.

Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

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This content may include information about products, features, and/or services that may only be available through SoFi's affiliates and is intended to be educational in nature.

Tree removal may be covered by homeowners insurance in some situations, but not all of them. It depends on why the tree fell and whether any property damage occurred.

Here is a detailed breakdown of when you can get tree removal covered by your insurer and when you’ll be financially responsible on your own.

When Does Homeowners Insurance Cover Tree Removal?

Let’s take a look at how homeowners insurance covers tree removal in different scenarios.

Debris Removal After a Covered Peril

Standard insurance policies do not usually cover tree debris removal alone. There needs to be some other type of covered damage in order to successfully file a claim. You can, however, purchase additional insurance coverage specifically for trees and bushes.

When a Fallen Tree Damages a Covered Structure

When a healthy tree falls during a covered peril — think a windstorm, fire, hail, vandalism, or weight of snow — removal is usually covered by your homeowners insurance policy. But insurers expect you to keep up with proper maintenance of trees and other plants on your property. If a dead or rotting tree falls and hits a structure, removal (and any damage caused to your home or other personal property) won’t be covered.

When a Fallen Tree Blocks a Driveway or Access Ramp

Can home insurance cover tree removal when the debris is blocking access to the home? Yes, in many cases, this situation is covered. Generally, if the tree is blocking a driveway or handicap ramp, you can file a claim and have the debris removed.

How Do I File a Claim for Tree Damage and Removal?

Follow these steps to file a claim with your insurance company after a tree causes damage on your property.

Immediate Steps to Take

There are two things you need to do right away to make sure your home is safe and that the damage is properly documented for your insurance company.

•   Perform a safety check: Ensure your family and pets are safe. If the tree fell on your home, stay away in case there is structural damage. Check for downed power lines, and report the incident to 911 and your utility provider. Then, gauge the damage to see if it’s safe to stay in your home or if you need to go elsewhere for the time being.

•   Take pictures and videos: Once immediate safety needs are taken care of, it’s time to contact your insurance company. Record as much of the damage as you can using photos and video.

Documentation Needed for Your Claim

The main documentation you’ll need is photographic evidence of the fallen tree. Be sure to take photos from multiple angles, especially if the tree is covering a structure or access areas, like a driveway or entrance to the home. Also include inventory of any damaged personal property you want to include in your claim.

The Claims Timeline and Process

The timeline for a tree debris removal claim varies depending on your insurer and the extent of an investigation they require.

In terms of process, expect an adjuster to be assigned to your claim. This professional will assess the damage and determine whether or not the tree debris removal (and any property damage) is covered by your policy.

Recommended: Homeowners Insurance Guide

What Tree Removal Costs Are Not Covered?

There are several scenarios when your insurance policy likely won’t cover any tree removal costs.

Standard Policy Exclusions

Some natural disasters and other factors are excluded from standard home insurance policies. In these cases, any fallen tree and resulting damage would usually not be covered unless you have a separate policy or endorsement.

When you’re buying homeowners insurance, take note of the standard policy exclusions, such as:

•  Earthquakes

•  Floods

•  Pest damage

Removal of Standing Dead or Diseased Trees

Homeowners insurance typically doesn’t cover any type of preventive removal of trees, even if those trees are diseased or dead. This is considered home maintenance and is something you’re financially responsible for as a homeowner.

Trees That Fall Without Causing Damage or Blockage

As mentioned earlier, your home insurance policy likely won’t cover tree removal unless the tree has caused damage to a structure or is blocking some type of access on your property.

Understanding Tree Removal Limits and Deductibles

Even when tree removal falls under a covered event, there are some limitations to keep in mind. Let’s take a look at some of them.

Standard Sublimits for Tree Debris Removal

Tree debris removal is covered by home insurance in two parts, which impacts how much the insurer will pay.

When a tree falls on a structure or access point, it needs to be moved out of the way in order for repairs to begin. That falls under your dwelling coverage. But once it’s safely out of the way, it still needs to be removed from the property. Debris removal is subject to its own policy limits, usually between $500 and $1,000.

How Policy Limits Apply Per Storm or Event

One important homeowners insurance term to learn is the per occurrence limit. It means there is a limit to how much the insurer will pay for all claims related to a single event, such as a large storm.

This is different from your policy’s aggregate limit, which is the maximum amount your insurer will pay for all covered claims within one year.

How Your Main Deductible Affects the Claim

When filing a claim that includes tree debris removal, you won’t receive the full estimated amount. Your insurer will subtract your deductible before reimbursing you.

Your deductible is the amount you’re responsible for in each claim. Most homeowners insurance policies range from $100 to $5,000.

Recommended: Homeowners Insurance Costs Explained

The Takeaway

Home insurance can be a powerful financial resource, whether you’re facing tree debris or other damage to your home and property. Does homeowners insurance cover tree removal? In some situations, yes. But it depends on why the tree fell and whether it caused any damage to your property.

Find affordable homeowners insurance options with SoFi Protect.

FAQ

What if my tree falls on my neighbor’s house (or vice-versa)?

Typically, the homeowner who experiences damage files a claim with their own insurance company, regardless of where the tree originally stood. So if a healthy tree from your yard falls on your neighbor’s house, they would likely be covered by their own policy.

If a tree from your neighbor’s yard lands on your property and causes damage, you would file a claim with your own insurance company. They may, however, try to collect reimbursement from the neighbor’s insurer. If they’re successful, you could get reimbursement for your deductible.

Does insurance pay to remove a dead or diseased tree before it falls?

No, removing dead or diseased trees, especially when they’re still standing, is the homeowner’s responsibility. It’s simply part of the home maintenance routine. And it’s an important part. Leaving those trees untended could lead to damage that also isn’t covered by your insurance policy.

How much will my insurance policy pay for tree removal?

Each policy has its own limits for tree removal for approved claims. Check the details to see the maximum reimbursement per event. In most cases, it’s between $500 and $1,000. Remember that you usually can’t get insurance to pay for tree removal if it didn’t block access to your home or cause damage to a structure.

Does my policy deductible apply to a tree removal claim?

Yes, your deductible does apply to a tree removal claim. If you’re getting a tree removed that is simply blocking a driveway and didn’t cause any damage to a structure, your deductible may end up being higher than the actual cost of removal.

If a storm knocks down multiple trees, are they all covered?

Typically, the debris removal limit applies to one tree, but your overall dwelling policy has a total limit for trees, shrubs and landscaping. In other words, the removal of multiple trees may be covered by your policy, but only up to the allowable limit.

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photo credit: iStock/SolStock
Auto Insurance: Must have a valid driver’s license. Not available in all states.
Home and Renters Insurance: Insurance not available in all states.
Experian is a registered trademark of Experian.
SoFi Insurance Agency, LLC. (“”SoFi””) is compensated by Experian for each customer who purchases a policy through the SoFi-Experian partnership.

Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

SOPRO-Q325-017

Read more