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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.

A grafted tree is a tree grown by combining two trees. It takes expertise. Branches from grafted trees don’t grow strong roots. Save yourself the time and frustration by having an arborist help you with this advanced project.  

You can often tell if a tree is grafted because it will have a noticeable line. Above the line, the bark will look different than it does below the line. It’s most common with fruit trees.

A tree branch should start to form roots in about three months. It can take about a year for a tree branch to develop roots strong enough to go in the ground. For best results, start several branches because, no matter how closely you follow instructions, they won’t all form roots. Compost any that aren’t thriving.