Trees are a wonderful addition to any yard. They provide beauty and shade, in equal measure; but they're also a potential hazard, especially in harsh weather. That's why having great homeowners insurance is a must, and why Lighthouse Agency in Fairfield, OH is a veritable beacon of security. Whether you need health, auto, life insurance, or some other kind of coverage, their team is always there for you. 

How do tree casualties factor into homeowners insurance? Homeowners are generally legally responsible for what happens in their yards, so if your neighbor's elm crashes into your garage during a storm, you should expect your insurance to cover the damages.

Claims adjusters are usually able to work out details in a way that covers everybody. But filing a claim is still an inevitably detailed process. Always make sure to document the scene of any incident with photos—and always call your claims adjuster before you arrange to have any wayward trees removed, just so he or she can document the evidence. 

The best way to make sure no accidents occur, however, is to be proactive. If you notice any dead limbs on your trees or notice that a tree is already leaning in the direction of a power line, have the situation taken care of ASAP. Having your trees trimmed regularly is also a great way to prevent potential damages, so be sure to keep up on crucial preventative measures. 

When you go through Lighthouse Agency for insurance, you'll never have to worry about having the kind of exemplary coverage that will keep you—and your neighbors—safe no matter what. To inquire further, contact the Lighthouse team at (513) 860-9100. Visit the website to see a full list of general insurance policies offered.