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.

The typical lifespan of a Bradford pear is relatively short, only 15 to 25 years. However, these trees have issues long before their life is over. Due to their soft wood and fast-growing branches, Bradford pear trees often split around 15 years, making them a risk for falling branches and more prone to disease. 

Pruning trees during the summer can be a bad idea because the new growth will take place during the hottest months of the year, which can stress your tree out. Similarly, pruning during the early fall can be a bad idea, too, because you’d be stimulating new growth when most trees are aiming to go dormant. 

Pruning recommendations will vary by the type of tree, but generally, waiting until winter to prune your trees is a good idea.

Unless there’s some sort of rule in your community’s homeowners’ association that requires you to remove a stump, there’s no law that says you have to take it out. If you’re not wedded to the idea of removing it, there are plenty of ways to get creative with this tree remnant. Using the stump as the medium for a wood carving or turning it into a planter are just two examples of ways to repurpose a tree stump.