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Yes, stump removal is worth the investment. It costs an average of $400 to remove a stump, but you will likely avoid other more expensive issues, such as termite and carpenter ant infestations, which can cost upward of $1,500 to treat professionally. If termites or ants attack the rotting stump—and they likely will—they could move to your primary structure after the stump is consumed. So, you could incur structural damage to your home as a result, which is even more costly and potentially dangerous.

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.

Using highly flammable fuels like gasoline to burn a stump carries significant safety risks and should be avoided. Gasoline is highly flammable and volatile, potentially leading to uncontrollable fires, explosions, and other environmental hazards. Additionally, the risk of the fire spreading to surrounding areas is much higher with gasoline use. Safer alternatives, such as specialized stump removal chemicals or professional grinding services, are the best options for stump removal.

If the tree is very small—under 4 or 5 inches in diameter—and you’re experienced handling a chainsaw, you may be able to cut down the tree on your own, provided there’s plenty of room for it to fall. 

However, felling even small trees can be dangerous, and it’s always advisable to have a spotter on hand. This will help make sure the tree doesn’t fall the wrong way or that branches aren’t about to fall on you while you’re working.