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It is possible for you to cut down your own tree, but only take this project on if it’s a small tree and you’re experienced handling a chainsaw. If you need to use a ladder to cut down the tree or tree limbs, it’s too large (and dangerous) for you to remove yourself. 

Hire a pro instead who can safely remove the tree without injury to you, themselves, or your home. Either way, look into tree removal regulations for the state you live in before having a tree removed to ensure it’s not a historic tree or protected by your city.

Using a stump grinder is no walk in the park. You’ll need to feel confident using some heavy and dangerous equipment. You’ll also need to know what size chainsaw you’ll need. Factor in the labor for clearing out the debris and filling the hole, and your project becomes quite a laborious one. If you don’t have experience with operating a stump grinder, it might be best to call a professional to do the job for you.

Stump grinding leaves the stump and roots below the grinding depth intact, though they will gradually decay over the next decade. You can grow plants with shallow roots, such as grass, over the remaining pieces of your now-deceased tree. However, you should wait until they fully decay to plant anything with a larger root system.

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.