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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.

You may be looking to identify maple trees to use for home improvement projects. In that case, you can tell hard maples by looking at their leaves. Leaves will have a U-shaped dip, or sinus, between the points, or lobes, of the leaves. Leaves of soft maples tend to have V-shaped sinuses.

If you already have the cut wood in front of you, look for a light, uniform color to identify hard maple wood and check for variations of red, gray, or brown streaks and an overall darker color in soft maple wood.

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.

Opt for a barefoot tree. Pros harvest barefoot trees when they’re dormant (leafless). They shake the dirt from the root ball and pack it in moist material. 

These trees can cost half as much as the trees at your local nursery, and you can buy them online—so there’s a much wider selection. Just make sure you keep your barefoot tree cool until you’re ready to plant it.