When most people think of home insurance, they envision policies, premiums, and protection from events such as fire or theft. However, at Johnsen Insurance in Baraboo, WI, we understand that maintenance plays a crucial role in preventing costly claims, and one often-overlooked task is tree trimming.
Why Tree Trimming Matters
Trees add beauty and value to your property, but they can also pose serious risks. Overgrown branches can damage roofs, break windows, and even fall on vehicles or power lines during storms. Insurance policies don’t always cover damage caused by neglect, meaning an untrimmed tree could cost you more than just cleanup—it could lead to denied claims.
By trimming trees regularly, you reduce the risk of accidents and demonstrate to your insurance provider that you’re taking steps to protect your property. It’s part of being a responsible homeowner, and insurers take notice.
Insurance Impacts You Might Not Expect
Many homeowners don’t realize that tree-related damage to a neighbor’s property might also fall under their responsibility. If a dead or leaning tree from your yard crashes into someone else’s home, you could be held liable. Regular inspections and maintenance aren’t just good practice—they’re essential for reducing liability.
In some cases, insurance companies may inspect your property and recommend tree trimming before offering or renewing coverage. Failing to follow these recommendations could result in higher premiums or even policy cancellation.
Protect Your Home and Your Wallet
Tree trimming might not be the first thing that comes to mind when thinking about home insurance, but it’s a simple way to protect your investment. For more tips on keeping your home safe—and covered—contact Johnsen Insurance in Baraboo, WI. We’re here to help you safeguard what matters most.
