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Yes, it is highly recommended to remove tree stumps. Leaving them in the ground can lead to several problems, as they are not only unsightly but can also reduce your property's value. Stumps can obstruct landscaping plans, make mowing difficult, and hinder new growth. More importantly, they are prime breeding grounds for pests like termites, ants, and mice, which can spread to your home and cause costly damage to its wood and foundation. Stumps also attract fungi and diseases that can infect other healthy trees and plants in your yard. As a stump decays, it might sprout new, unwanted shoots. While removing a stump is an investment, it prevents these potential issues and enhances the safety, health, and appearance of your landscape.

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.

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.