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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 shepherd’s tree, native to the Kalahari Desert in Africa, holds the record for the deepest known tree roots at over 230 feet deep. Some African communities refer to it as the “Tree of Life” since it provides food, shade, and medicinal properties to the surrounding community.

Local tree removal prices range from $200 to $2,000 overall, but vary depending on:

• Local cost of labor and supplies

• Accessibility of the tree

• Local laws regarding who is allowed to remove the tree

• The species of the tree (softer woods are often easier to remove)

• Local seasonal discounts for the off-season

Generally, you do not have the right to take fruit from a neighbor's tree, even if the branches overhang your property. The fruit is considered the property of the tree's owner. While you may have the right to trim branches that cross into your yard, the fruit on them typically still belongs to your neighbor. However, laws can vary by state and municipality. In some areas, branches that extend into your yard or trees that straddle a property line may entitle you to some of the fruit. The best course of action is to speak with your neighbor, as they may be happy to share. If a conversation is not possible, check your local regulations before picking any fruit.