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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.

Pruning a tree is a yearly DIY job that involves removing small dead branches, leaves, and blooms to help the tree grow bigger and stronger. You can often complete the job with basic home gardening tools. Trimming a tree, however, removes larger sections to control the direction the tree grows in and protects your home, utility wires, and yard from potentially dangerous branches.

The best time to transplant a tree is when it is dormant. For many trees, this means either in the fall after the leaves have dropped (around October or November) or in early spring before new growth begins (around March). The ideal timing can depend on the type of tree. Deciduous trees do well when moved in early spring or fall, while evergreens are best transplanted in early spring or late summer. For example, pine trees are best moved in early fall, but maples prefer late fall. Avoid transplanting in winter, as the frozen or hard, cold soil poses a significant risk to the roots and prevents the tree from acclimating properly.

The best way is to start controlling tree height long before it grows too large, via careful pruning through the years. But that’s not always possible. If a tree has become too high or too large, use selective pruning to remove the most troublesome branches, one by one, without topping the tree. Gently shaping a tree like this can, over time, correct problems. You can also find growth inhibitors to spray on a tree to stop it from growing too rapidly, but use these sparingly if at all.