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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.

You can hire a professional arborist or tree removal service to cut down a tree to ensure safety, prevent property damage, and comply with all the local regulations. It’s highly advisable to always hire a professional, as tree removal can be extremely dangerous, especially for large or damaged trees. Certified arborists or tree removal experts have the proper equipment, training, and insurance to do the job safely and efficiently. They can also handle cleanup, stump removal, and obtaining the necessary permits.

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.

A standard tree removal doesn’t include stump grinding. If you want your contractor to remove your tree and grind the stump, you must pay an extra charge. That said, you’ll likely save on the cost of stand-alone service—especially if it’s a small tree and they can finish both jobs in a single trip.