@ Right on the Mark,
not sure if you are going through your insurance or not but try looking at the small print on your house policy.
Most of the time, there is coverage for items that are on or around the house.
as in, something parked in your laneway, guest or your own.
if you don't have full coverage on the LS, the house policy might cover it.
I know with mine, there is coverage for anything that's on my property even if it's not mine.
for instance, if you were to visit me and slipped and broke a leg, it would be covered.
as well, if my tree snapped and fell on your roof, whether, your roof of house or car,
it be covered.
Most home policies are underwritten as to cover damaged on personal properties on the premises, guest, neighbor or self.
I know this well, as I had enquired about it as well, I had asked them to hi-light it to me in all that small print.
I'm just over 3 grand a year, on 3 cars and 1 home.
my policy even covers us, if we f*ck up away from our home somehow.
... but then again, I'm talking my Canadian policy VS. yours elsewhere.
~ just saying.
and I best get on those trees, they are too damn tall for my liking and they will snap one day. ounce of prevention.