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Tree Service questions, answered by experts

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.

Tree trimming can count as landscaping, depending on how a landscaping business describes its services. Professional tree trimmers are more specialized than landscapers and offer trimming services separately from general landscaping.

When general landscaping companies offer tree trimming, look up the details. They usually mean shaping or seasonal trimming of ornamental trees, which is different from trimming larger trees for health or safety reasons. When possible, look for a licensed expert that specializes in trees and tree health.

Licensing requirements for arborists, also known as tree surgeons, vary by state and municipality. Many areas require a license, which often involves specialized education and experience. Even if not mandated, it's wise to hire a licensed professional as they tend to have more experience. Beyond licensing, look for certifications from organizations like the International Society of Arboriculture (ISA) or the Tree Care Industry Association (TCIA), as this indicates a higher level of expertise. Certified arborists must typically pass a comprehensive exam. Always confirm that the arborist has a business license and is fully insured to protect yourself from liability. Seeking positive recommendations from local homeowners is also a good step in finding a qualified professional.

Many gardeners charge an hourly rate for their services, and your total cost will depend on the amount of services and the experience of the gardener. Gardeners with basic experience charge between $20 and $30 per hour, while a more experienced gardener can charge as much as $60 to $88 per hour.

The cost of lawn mowing is about $125, which you might need on a weekly or biweekly basis. However, the cost of soil testing averages about $1,450, which should only be done every three to five years. 

Unless there’s some sort of rule in your community’s homeowners’ association that requires you to remove a stump, there’s no law that says you have to take it out. If you’re not wedded to the idea of removing it, there are plenty of ways to get creative with this tree remnant. Using the stump as the medium for a wood carving or turning it into a planter are just two examples of ways to repurpose a tree stump.