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Consumers typically do not need to worry about the cost of tree insurance, as professional tree service companies pay for their own coverage. For a tree service business, an average U.S. policy covering about $1 million in general liability costs roughly $40 a month or $500 a year. More extensive policies, providing between $500,000 to $2 million in coverage, can cost between $3,000 and $6,000 annually, depending on the company's size and scope of work. Tree service professionals should speak with an insurance company to determine the right plan for their business.

Aside from removing dead or diseased branches, you should prune your trees somewhere between every one and three years. Some people—particularly commercial farmers—prune their apple trees yearly to produce higher yields. This is the best way to promote tree health. That said, the average homeowner can get away with hard-pruning their mature apple tree every other year or every three years. 

It depends on where you live—but in most areas, leaves begin falling in September and continue falling until January or February. Warmer regions, such as Southern states, may see leaves fall a bit later in the calendar year. It also depends on the type of trees in your yard and their maturity. 

Peach trees don’t tend to live as long as other types of trees and crops. They tend to last only about 12 years, and you shouldn’t expect to see a full peach harvest each of those years, either. Young peach trees need a few years to get established before they produce fruit, but you should have plenty of peaches for your pies and cobblers during their mature years, around years four through eight.