Determining the Value of Your Trees and Insuring Them Properly


You may not think of the trees and shrubs in your yard as having value, but there are a few things that make certain trees more valuable than others. Some are valuable because of the type of wood they consist of, while others offer shade that makes the home more efficient. Of course, you can call in arborists to accurately determine the value of your trees and shrubs, but there are some basic guidelines that will help you determine which trees and shrubs in your yard are more valuable than others. You may have trees that are valuable enough that you need to change your insurance policy to ensure that you will be compensated for their full value if they are damaged or destroyed.

Size, Type and Condition

Because most trees take decades to reach full maturity, the size and age of a tree factors into it’s value. Older, larger trees are more valuable than thinner, smaller ones because they are more difficult to replace. They are also more valuable because they provide more energy savings, wood, shade and other benefits than smaller trees.

The type of wood that each tree is made of is another factor in its value. Dwarf conifers and Japanese maples are both considered to have high values because they are sturdy, desirable, adaptable and attractive. The condition of the trees is also important. Any trees that are diseased, damaged by storms or poorly maintained have little value. Malformed trees are also considerably less valuable than well-formed trees of the same type. The health of the tree is a big factor in determining whether or not it is valuable.


A tree’s location is another important things to consider. Trees that are close to a home are usually undesirable, especially if they are old or rotten. The most valuable trees create a focal point for your yard or a separation between your yard and the neighbor’s property. Fruit-bearing trees are also generally valued highly, especially if they are well-maintained.

Determining Value and Keeping Records

All homeowners hope that they will never have to file insurance claims, but sometimes they become necessary. Having a record of the trees on your property will make it easy to fill out the paperwork on insurance forms. Your record should include pictures that show the location and condition of the trees, as well as a written record of where and when the trees were planted. It’s smart to have an expert appraisal of your trees included in your file so that their value can be easily determined for insurance purposes.

Removing and Replacing Trees

Another reason for knowing the value of every tree in your yard is that it helps you determine which trees should be removed and when another tree should be added to your landscaping. Unless your tree is unhealthy, it is usually better to relocate the tree somewhere else on your property instead of removing it completely. If you do decide to remove the tree, contact a local nursery or garden club to see if someone else would like to adopt the tree. Either way, it would be wise to contact professionals to do the dirty work, just make sure you don’t get ripped off.
When you’re ready to add trees to your property, make sure you have considered their full impact. Many homeowners forget that most of the trees they plant will grow significantly over the years. Make sure that the place where you plant the tree will be able to accommodate the tree when it has reached full maturity. You should also watch for hazards like utility wires and make sure that the tree is planted far enough from your home that it won’t cause damage and become a liability as it grows.

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