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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.

Whether you grind or dig up and remove your tree stump depends on your landscaping goals. Using a stump grinder leaves the root system in place for it to decompose over time, whereas digging up the tree stump removes the roots and the stump. Overall, stump grinding is a far simpler process since you won’t need to deal with the roots. Stump removal will make your yard look like a demolition site, but you’ll have an easier time replanting in the same place as your former tree.

While there is a lot of debate about whether boiling water is strong enough to kill tree roots, it is not best to remove the roots from large, old trees. You may be able to weaken young roots enough to remove them manually, but boiling water will likely not do the trick for large root systems.

It is possible to remove a stump yourself, but it’s an extremely labor-intensive job and often requires special equipment that is expensive to rent. Instead, you could pay a stump removal professional $200, while you’d pay around the same price to rent a stump grinder for the day. Stump removal also takes DIYers hours in most cases, so paying for a specialized company to remove it quickly and accurately is almost always worth it.