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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.

Not all leaning trees are dangerous, but they can be a hazard as gravity may eventually cause them to fall. A key factor is whether the lean is new or has been present for a long time. Trees that have grown with a lean for years are not typically an immediate danger, but a sudden lean is a cause for concern as it often indicates weakening roots. If a tree is leaning more than 15% from vertical, you should consider having it straightened or transplanted. To be safe, it's always best to hire a professional arborist to inspect any leaning tree to assess the risk and avoid potential accidents.

No. Topping a tree refers to severely cutting down all its major branches and tree in a straight line. It was once recommended for streetside deciduous trees but has fallen out of practice. Topping leads to many problems, removing so much of the tree that many trees struggle to survive and become much more vulnerable to insects and diseases. Also, it doesn’t really help tree growth as once assumed and often leads to an ugly appearance of many sprouting stems in competition to become new main branches.

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.