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Any tree that needs to be pruned should be pruned to remove dead branches at least once a year. You may need to prune far more often if you’re trying to maintain a certain shape or to save a tree that suddenly becomes infected.

Peach trees grow to be about 25 feet, so keep this in mind for pruning as well. If you plan to DIY, you’ll need to be comfortable working on a ladder. Without pruning, peach tree branches can sprawl nearly as wide as the tree grows tall, so make sure to plan pruning sessions at least once per year in the spring for controlled growth. And if you’re working on a ladder, be sure to follow all safety precautions, especially if you’ll be dealing with falling branches.

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.

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.