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Yes, the same rules discussed above apply to your neighbor: They can trim one of your trees as long as they’re only cutting the portion that extends into their property. Your neighbor is not allowed to access your property without permission, nor can they cut past the property line. 

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.

There are several methods to hollow out a tree stump, and the best one depends on your tools, experience, and priorities. Common methods include using a chisel and hammer, a chainsaw, or burning.

• Chisel and Hammer: This is often considered the easiest approach for those with limited tools or experience, though it is the most time-consuming.

• Chainsaw: Using a chainsaw is the fastest method, but it comes with significant safety risks, especially for inexperienced users.

• Burning: This can be an effective method, but it is not recommended unless you can first drill holes into the stump. Without holes, the stump will be difficult to light and may not burn completely through.

A power drill with at least a ⅜-inch diameter bit can make the job quicker and easier, regardless of the primary method. While you can use a chisel or chainsaw without a drill, it will require more time and effort. Always wear protective goggles and thick gloves, as splinters are an inevitable risk.

Tree experts don’t advise against digging through tree roots, but instead encourage caution and consultation with a local arborist to make sure you don’t damage the tree’s structure or interrupt its water or nutrient intake. An arborist can recommend specific practices when digging and help prune the roots or dig a trench for utilities with a tool that can remove soil without touching the tree’s roots.