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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.

It is possible to cut down a tree on your property yourself, but it is generally not recommended unless specific conditions are met. You should only consider this project if the tree is small (e.g., under 4-5 inches in diameter and short enough that you don't need a ladder to reach the branches), and you are experienced in handling a chainsaw. The tree must also be located far from any power lines, fences, homes, or other structures. Even for small trees, the work can be dangerous, and it's always advisable to have a spotter to ensure the tree falls correctly and no branches fall on you.

For any tree that is large, requires a ladder to access, or is near electrical lines or structures, you should always hire a professional. Attempting to remove a large tree yourself is extremely dangerous, poses a risk of serious injury, and could result in significant damage to your property.

Before any tree removal, it's also important to check your local and state regulations to ensure the tree is not historic or otherwise protected by your city.

Not all evergreen conifers need to be pruned, but some do. Pruning pine trees is not necessary, but you can do so during June and July if you wish. On the other hand, spruce, firs, and junipers do need to be pruned from late winter to early spring.

State and local laws vary, but in most cases, you are allowed to trim any branches from your neighbor's tree that cross your property line. However, it's important to ensure you do not damage the overall health of the tree in the process. Removing branches incorrectly can jeopardize the health of the tree and could lead to you being on the hook to replace it.