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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.

The cost of professional tree trimming averages $460, with a typical range between $200 and $760. However, prices can be as low as $75 or as high as $1,800 depending on several factors. The size and type of the tree are major cost drivers; for example, trimming Crepe Myrtle trees costs an average of $80 to $400, while trimming giant pine trees can range from $200 to $1,800. Other factors that influence the price include the time of year, as services are often more costly in the spring. The tree's accessibility and your location also play a role, as a remote or hard-to-reach tree may increase the cost. Some professionals may offer a discount if you have multiple trees to trim.

Tree experts don’t advise against digging through tree roots, but instead encourage caution and consultation with a local arborist to make sure you don’t damage the tree’s structure or interrupt its water or nutrient intake. An arborist can recommend specific practices when digging and help prune the roots or dig a trench for utilities with a tool that can remove soil without touching the tree’s roots.

For trimming trees, your best tool is a pair of pruning shears or loppers. Both options work best for branches that are under 3 inches in diameter. Trimming trees with a larger diameter may require a robust tool like a small chainsaw or a handsaw, so take into account your tree’s diameter when deciding between tools.