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If a tree isn’t pruned, it can inhibit proper growth and fruit production, cause damage to both the tree and your property, and create entry points for pests and diseases. Pruning a tree enhances its stability, appearance, shape, and growth. Pruning trees regularly can also save you money long-term by avoiding overgrown or dangerous dying trees.

You can trim just one side of the tree, especially when that side is growing near something like a power line or a home. Pros will carefully trim the tree back until it is safe from that structure. While this is common, it also needs to be done with the utmost care, as pruning or trimming away at one side of the tree may make it structurally unsound. This instance is yet another where hiring a pro is wise, especially if power lines are involved.

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.

It is possible to cut down a tree on your property yourself, but it is generally not recommended unless specific conditions are met. You should only consider this project if the tree is small (e.g., under 4-5 inches in diameter and short enough that you don't need a ladder to reach the branches), and you are experienced in handling a chainsaw. The tree must also be located far from any power lines, fences, homes, or other structures. Even for small trees, the work can be dangerous, and it's always advisable to have a spotter to ensure the tree falls correctly and no branches fall on you.

For any tree that is large, requires a ladder to access, or is near electrical lines or structures, you should always hire a professional. Attempting to remove a large tree yourself is extremely dangerous, poses a risk of serious injury, and could result in significant damage to your property.

Before any tree removal, it's also important to check your local and state regulations to ensure the tree is not historic or otherwise protected by your city.