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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.

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.

An unsafe tree can cause serious damage to your home and property, so tree inspections are important to ensure your home isn’t in danger from a nearby tree. Unhealthy trees can also be unsafe trees, as diseases and insect damage can compromise a tree’s stability, leading to potential damage and safety risks.

If you’re taking down a tree that you don’t suspect is affected by disease or pests and it’s nowhere near your home or other structures, then calling in a tree company should work fine. However, anything more involved means an arborist is a better option. These pros have years of experience with tree removal and can safely take down trees located next to structures, and they have the tools, sanitization equipment, and experience to remove sick or dying trees without infecting nearby trees.