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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.

State and local laws vary, but in most cases, you are allowed to trim any branches from your neighbor's tree that cross your property line. However, it's important to ensure you do not damage the overall health of the tree in the process. Removing branches incorrectly can jeopardize the health of the tree and could lead to you being on the hook to replace it.

Pruning can impact cold hardiness—but it’s less about the exact temperature and more about temperature variation. Generally, you don’t want to prune trees when there’s a risk of temperatures suddenly dropping from 50 to 60 degrees Fahrenheit to 0 degrees Fahrenheit or below. A tree is most sensitive until 48 hours after it’s pruned.

The fastest ways to remove a tree stump are by grinding it or burning it.

Stump grinding is often the quickest method, with professionals able to chip away a stump and its roots within a single session. You have the option to hire a professional stump removal service or rent a stump grinder to do it yourself. However, it's important to note that these machines can be large, difficult to transport, and dangerous to operate without prior experience. For safety reasons, hiring a local arborist or landscape specialist is often recommended.

Burning is another fast option. Before you begin, check your local burn laws. The process involves drilling holes into the stump, filling them with vegetable oil, and waiting 24 to 48 hours. Afterward, you can add charcoal bricks to the surface and light the fire, which must be attended at all times.

For a more affordable but much slower alternative, you can use potassium nitrate pellets to accelerate the natural decomposition process. This method typically takes four to six months.