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Generally, homeowners do not need permission to cut down a tree on their own private property, but there are several exceptions where a permit may be required. You might need a permit if the tree is particularly large, old, or a protected species, such as a heritage tree. Trees located near public property or power lines can also be subject to special rules. Additionally, many local governments and homeowners associations (HOAs) have regulations controlling which trees can be removed to manage an area's appearance or prevent the spread of invasive species. To avoid hefty fines, it is crucial to check with your local government and HOA to determine if a permit is needed before you begin.

If you’re wondering whether you can plant a tree where the stump was removed, know that the soil conditions won’t be ideal, so you should avoid it. The soil beneath the previous tree will likely be depleted of nutrients, plus there may be roots left behind that will seriously hinder the growth of a new tree. Also, if you use salt or other chemical solutions to kill the stump, these can linger in the soil for months or even years and prevent healthy growth. It’s best to choose a different spot that’s at least three feet away for a new tree, or wait at least a year and thoroughly amend the soil before you plant.

No, you cannot plant a tree above a gas line. Tree roots grow and spread over time and can sometimes dent, crack, or penetrate a gas line. Those same roots may also cause accessibility problems for maintenance or repairs. You can generally plant vegetation with non-invasive root systems, low-growing vegetation, and flower beds near gas lines. 

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.