I would check with your insurance agent. Each states laws are different. As far as insurance goes..... in MN if it's over the property line... . whats hers is hers. . what's yours is yours. When it crosses the line..... it's yours. That being said... . if the Insurance guy says that..... I would also then assume (oh boy) that the laws would be along the same lines... ... and I'd cut away!
Josh
Josh