Would homeowner's insurance share in tree removal expense to potentially save money and decrease liability? 
Your insurance company provides a policy that specifies which hazards it covers . The company assumes that you as a homeowner will take every precaution to make your home as safe as possible . If they determine that there is a hazardous condition on your property they can make renewal of the insurance depend on your taking care of the situation . We see this most often with roofs ; however , a sick tree would be such a situation as well . 