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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.

Generally, you do not have the right to take fruit from a neighbor's tree, even if the branches overhang your property. The fruit is considered the property of the tree's owner. While you may have the right to trim branches that cross into your yard, the fruit on them typically still belongs to your neighbor. However, laws can vary by state and municipality. In some areas, branches that extend into your yard or trees that straddle a property line may entitle you to some of the fruit. The best course of action is to speak with your neighbor, as they may be happy to share. If a conversation is not possible, check your local regulations before picking any fruit.

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.

If you’re looking to rot a tree stump fast, potassium nitrate will work far quicker than copper nails. First, drill several holes into the stump using a power drill, then pour potassium nitrate pellets into the holes. Next, add water to help the chemical absorb into the wood, thoroughly soaking the stump to ensure the pellets dissolve and spread evenly. Afterward, cover the stump with a tarp to retain moisture and block sunlight, then place mulch on top to secure it in place.