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Planting a palm tree close to your home can provide shade while elevating the beauty of your yard. However, there are a few safety concerns to consider before doing so. You’ll want to opt for a smaller tree with a non-invasive root system. Select a species that won’t grow too tall and choose a planting location that won’t damage your home.

Some trees will bounce back just fine, and others will struggle and possibly die. Evergreens, for instance, have a very difficult time recovering after droughts and usually die after periods of extreme dryness. Usually, you’ll have to just wait and see—if the drought occurs in wintertime, it’s possible that your tree will recover during the gentler springtime.

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.

Tree roots don’t necessarily break through concrete on their own, but they can certainly take advantage of existing cracks, even very small ones. As roots grow, they expand the cracks, making them larger and leading to serious and costly foundation damage. It’s a good idea to have repairs on any foundation cracks you’re concerned about.