"If a tree falls on my car or damages my house, will my insurance policies cover me?"
If a tree falls on your car and you have Comprehensive or All Perils coverage on your car insurance policy, the insurance company will pay to have your vehicle repaired. You will have to pay your deductible. Check with your insurance professional to make sure that you have coverage.
If a tree falls on your house because of wind, most home insurance policies will cover the damage caused. Since all home insurance policies are not the same, check with your insurance professional to make sure that you would be covered.