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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.

Not all leaning trees are dangerous, but they can be a hazard as gravity may eventually cause them to fall. A key factor is whether the lean is new or has been present for a long time. Trees that have grown with a lean for years are not typically an immediate danger, but a sudden lean is a cause for concern as it often indicates weakening roots. If a tree is leaning more than 15% from vertical, you should consider having it straightened or transplanted. To be safe, it's always best to hire a professional arborist to inspect any leaning tree to assess the risk and avoid potential accidents.

Common signs that a tree is rotting include dead branches, a leaning trunk, peeling or cracked bark, leaf discoloration, and the presence of fungi. If you notice any of these signs, it’s best to hire an arborist near you to inspect your tree and determine if it can be saved or if it needs to come down.

Completely topping a plum tree is a risky business. Cut too much, and you’ll kill your tree. That said, you do need to trim the top of your tree to encourage bushy growth, maintain your tree’s vase shape, and limit size. 

A plum tree's central leader (or trunk) should never extend more than 3 feet above the highest branch. When you first plant your tree, cut the central leader so it’s 2 to 3 feet tall. As it grows, cut it back 12 to 20 inches until it reaches its desired height. Never prune more than one-third of the new growth.