No, if you only have liability coverages (usually meaning property damage and bodily injury) then your own vehicle is not covered under your car insurance policy if a tree limb falls and breaks your windshield. You may be able to check if your property insurance or find out if the property owner's insurance has coverage for damage caused on the property.

Property damage liability covers you if your car damages someone else's property. Usually it is their car, but it could be a fence, a house or any other property damaged in an accident. Bodily injury covers other people's bodily injuries or death for which you are responsible. It also provides for a legal defense if another party in the accident files a lawsuit against you.

Bodily injury liability covers injury to people, not your vehicle. Property damage liability covers another person's property, not your own.

To have your windshield covered from this limb falling from a tree in your yard and breaking your front glass you would need physical damage coverage on your car, in particular comprehensive coverage.

Comprehensive covers your vehicle, and sometimes other vehicles you may be driving for losses resulting from incidents other than collision. For example, comprehensive insurance covers damage to your car if it is stolen; or damaged by flood, fire, or animals. It also covers glass breakage such as the damage you described to your windshield. This type of auto insurance coverage pays to fix your vehicle less the deductible you choose at the inception of the policy.

Without comprehensive coverage on your vehicle and only liability coverages your auto insurance will not pay for your broken windshield. You can get a car insurance policy here with us that does include physical damages of collision and comprehensive so that in the future your car is protected by your auto insurance.