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No, homeowners insurance typically does not cover the cost of removing a dead, sick, or rotting tree that is still standing. Insurance is designed to protect against sudden and unexpected accidents, whereas a tree dying or rotting over time is considered a maintenance issue. Coverage usually only applies after a tree has fallen and caused damage to your property.

For small trees, tree removal should take just a couple of hours to complete. Assume that a mid-sized tree will take between four and eight hours, depending on the extent of the equipment required and the health of the tree. Remember to add up to two hours for stump removal. Larger trees could take as long as one or two working days, about eight hours each.

Using vinegar to kill tree roots is just one of the clever ways to use vinegar around the house. The method works best when you apply vinegar as directly to the root system as possible. For example, if the old tree roots and stump are currently exposed, drill holes in the tops of the roots and pour undiluted white vinegar into the holes to soak into the plant. Remember that vinegar can kill the surrounding grass and plants should it pour over the edge.

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.