In Indiana, if a tree is dead and it falls on your neighbors house, it's your fault and your insurance will pay. I have heard of a guy who bought a new house and his insurance company canceled his policy because of old trees. If tree is alive, falls on neighbors house, it called an act of God.
As for trampoline, swimming pool, and ugly breed of dogs some insurance companies will have an issue.
If a landlord allows a tenant to have a dog, trampoline, or swimming pool and something happens, the landlord pays because he allowed the tenant to have them. Tenant's Dog bites someone, landlord pays. Someone drowns in a pool, landlord pays. Someone is injured on trampoline, landlord pays.
My insurance company asked me if I allow my tenants to have Dogs, trampolines and pools. I said, Yes, Tenant's Pit bull loves jumping on trampoline, then dives in the pool.
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Today's Featured Article - The David Brown Rose Badge - by Samuel Kennedy. In the 13th century civil war was raging in England. Two English noblemen were involved in a conflict which became known as the War of the Roses. The Duke of York had as his emblem a white rose and the Earl of Lancaster had a red rose. Today the white rose is the official emblem of the county of Yorkshire and the red rose has been adopted by the neighboring county of Lancashire.
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