Would homeowner's insurance share in tree removal expense to potentially save money and decrease liability? 
Great question ! The answer to the question really lies in the provisions of your specific policy . Most will help pay for the cost of a tree downed by a storm , the cleanup , and even the replacement tree , but a standing tree is another matter . Call your agent , and have them determine what your policy will cover . Another bit of advice - check with your local city or county commission , and ensure that you do n't violate any ordinances by cutting it down . You may need a permit first , even if it is on your private property . Here in Houston , you can incur very healthy fines if you cut down or trim one of the great oak trees that share space with any city owned property . If you need help , please feel free to contact me . Thanks for asking ! 