A tree fell on my car. Is the damage covered under my homeowners policy?
If your tree fell on your car and has caused damage, it’s not covered under your homeowners policy, but may be covered under the Other Than Collision (OTC) coverage of your auto policy, if you purchased OTC coverage. If your neighbor’s tree fell on your car and caused damage, your auto policy typically covers the damage under OTC coverage, if you purchased OTC coverage. Contact your local Kentucky Farm Bureau agent or claims representative for more information.