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No, homeowners insurance typically does not cover the cost of removing a dead, sick, or rotting tree that is still standing. Insurance is designed to protect against sudden and unexpected accidents, whereas a tree dying or rotting over time is considered a maintenance issue. Coverage usually only applies after a tree has fallen and caused damage to your property.

Although the terms tree trimming and tree pruning are used interchangeably, they are very different types of tree maintenance. Tree trimming involves enhancing the appearance of your tree by removing unruly branches, providing your tree with ample sunlight and nutrients and prevents unsightly overgrowth. 

Tree pruning helps keep your trees disease-free. This process removes unhealthy growths, dead branches, and other unhealthy parts of the tree. It’s more common for deciduous and ornamental trees but not so common for evergreen trees. To determine which method you need, discuss it with a tree trimming specialist.

In some states and municipalities, you will need a permit to remove a tree on your property. In many cases where permits are required, a tree must reach a maximum height before a permit is required to remove it. You can either ask your local building department or a tree removal professional if you’ll need a permit. If you do, you can expect to pay between $50 and $150 for the permit alone. Your tree removal company should pull the permit for you and include the permit fee in your total.

It is possible to cut down a tree on your property yourself, but it is generally not recommended unless specific conditions are met. You should only consider this project if the tree is small (e.g., under 4-5 inches in diameter and short enough that you don't need a ladder to reach the branches), and you are experienced in handling a chainsaw. The tree must also be located far from any power lines, fences, homes, or other structures. Even for small trees, the work can be dangerous, and it's always advisable to have a spotter to ensure the tree falls correctly and no branches fall on you.

For any tree that is large, requires a ladder to access, or is near electrical lines or structures, you should always hire a professional. Attempting to remove a large tree yourself is extremely dangerous, poses a risk of serious injury, and could result in significant damage to your property.

Before any tree removal, it's also important to check your local and state regulations to ensure the tree is not historic or otherwise protected by your city.