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Consumers typically do not need to worry about the cost of tree insurance, as professional tree service companies pay for their own coverage. For a tree service business, an average U.S. policy covering about $1 million in general liability costs roughly $40 a month or $500 a year. More extensive policies, providing between $500,000 to $2 million in coverage, can cost between $3,000 and $6,000 annually, depending on the company's size and scope of work. Tree service professionals should speak with an insurance company to determine the right plan for their business.

A tree growing close to a house can pose several risks, but removal isn't always the only or best solution. Potential problems include roots growing into the foundation and causing structural cracks, branches damaging the roof or promoting moss growth, and debris clogging gutters, which can lead to water damage. Trees can also provide access for pests and encourage mold. However, a small, healthy tree may not be a problem, and for larger, established trees, strategic trimming can be a cheaper and more beneficial alternative to removal. It is generally recommended to take action for trees within 10 to 20 feet of your home, especially if they are unhealthy or encroaching. Your best bet is to consult a professional arborist who can assess the specific situation and provide expert advice.

While trees can grow in the curb strip between the sidewalk and the street, this placement often poses the problem of interfering with overhead power lines. It’s best to consult your local utility provider and tree planting service before transplanting a tree that might grow into power lines. Also, you should never work within 20 feet of a live power line to avoid the risk of electric shock. Tree branches should never touch nearby power lines, so it’s essential to ensure your tree isn’t in danger of growing too close to them.

Generally, homeowners do not need permission to cut down a tree on their own private property, but there are several exceptions where a permit may be required. You might need a permit if the tree is particularly large, old, or a protected species, such as a heritage tree. Trees located near public property or power lines can also be subject to special rules. Additionally, many local governments and homeowners associations (HOAs) have regulations controlling which trees can be removed to manage an area's appearance or prevent the spread of invasive species. To avoid hefty fines, it is crucial to check with your local government and HOA to determine if a permit is needed before you begin.