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Coverage varies quite a bit by policy, but most homeowners' insurance policies will cover $500 to $1,000 of the cost of removing a tree. Additionally, if your tree causes damage to your property, like your house, many policies will cover some or all of the costs to repair the damage, depending on why the tree fell.

Most tree surgeons cost around $100 per hour or between $70 and $200 per hour for their services. You might get flat fees for more straightforward services, like a tree assessment, tree removal, stump grinding, and one-off treatments, but many times, treatments for tree diseases or pests will be charged based on an hourly rate or a per-visit rate. Since the cost of a tree surgeon can vary widely, it’s best to speak with an arborist near you to get an idea of what your particular issue will cost to correct.

A stump grinder can cause damage if it’s used improperly. These are large, powerful saw tools that need careful handling even when not in use. When used improperly or when the sawblade misses the mark, it can easily damage your lawn, walkways, nearby flower borders and delicate borders. That’s why it’s important to use stump grinders carefully and to contact a professional if you don’t feel up to the task.

Using a drill to bore holes in the stump's center speeds up the process, whatever method you use. If you don’t have a drill, you can still chainsaw or chisel the stump to make it hollow; it will just take more elbow grease and time. Steer clear of burning the stump to hollow it if you can’t drill some holes in it first. Otherwise, getting it to light, stay lit, and burn right through will be a challenge.