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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.

Generally, you’ll want to prune back the trunk by 1 to 2 feet each year to promote bushy growth. Doing so concentrates vegetative buds closer to the bottom of the tree, where you can easily harvest fruit. For side shoots that are a year old, leave at least six leaves. 

Never remove more than 30% of a tree’s foliage during pruning—even if your tree is really overgrown. Removing this much foliage at a time could kill your tree.

A palm tree's lifespan typically ranges from 40 to 100 years, though some species can live much longer. For example, certain types of Date Palm trees can live for over 200 years. The exact longevity of a palm tree is influenced by several factors, including its species, size, climate, and growing conditions. To maximize your palm's lifespan, provide proper care and maintenance, such as ensuring it gets enough sunlight, water, and nutrients, and protecting it from pests and diseases. For expert maintenance tips, consider consulting a professional arborist.

An unsafe tree can cause serious damage to your home and property, so tree inspections are important to ensure your home isn’t in danger from a nearby tree. Unhealthy trees can also be unsafe trees, as diseases and insect damage can compromise a tree’s stability, leading to potential damage and safety risks.