Homeowners insurance may cover the cost of tree removal if the tree falls down during a storm or some other reason and lands on a fence, house, garage or even a car.
Then the homeowners insurance usually covers the cost to have the tree cut up and removed after it falls.
If you just want to have the tree removed from your property to prevent damage to your home or garage etc then you need to pay the cost of the tree removal out of your own pocket.
Having a tree cut down fully and removed costs around $1,000.00 to $2,000.00 depending on the size of the tree and how close it is to the house or garage.
You can call around and get estimates for free to have the tree removed.