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Any tree that needs to be pruned should be pruned to remove dead branches at least once a year. You may need to prune far more often if you’re trying to maintain a certain shape or to save a tree that suddenly becomes infected.

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.

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.

Yes, it is highly recommended to remove tree stumps. Leaving them in the ground can lead to several problems, as they are not only unsightly but can also reduce your property's value. Stumps can obstruct landscaping plans, make mowing difficult, and hinder new growth. More importantly, they are prime breeding grounds for pests like termites, ants, and mice, which can spread to your home and cause costly damage to its wood and foundation. Stumps also attract fungi and diseases that can infect other healthy trees and plants in your yard. As a stump decays, it might sprout new, unwanted shoots. While removing a stump is an investment, it prevents these potential issues and enhances the safety, health, and appearance of your landscape.