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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.

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.

Generally speaking, you’ll want to avoid flush cuts, which are cuts made as extremely close to the trunk or main branch. These cuts can weaken your tree, lower its natural defense mechanisms, and even cause decay. You’ll also want to avoid tree topping, which is the total removal of the leader and upper main branches of a tree. 

Most pros will advise against either of these methods, which is why hiring a pro is often the best choice when it comes to tree trimming.

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.