<prompt> Human: Bought a house last year. Tree in back yard is 16 feet around at shoulder height and close to 150 feet tall. Over the years the tree has grown towards my house and leans quite a bit. In the year we have been at the house we have noticed the tree to lean more and more. I obviously dont want a 16 foot around 150 foot tall tree crashing onto my house and killing my family. However, I have never heard of homeowners insurance paying for anything until after damage has occurred. Additionally, my HOA wants to approve the removal of all trees in writing. My questions are four fold:1. Do you know if a homeowners policy would proactively pay to remove a danger.2. If they did, would this likely affect my premium.3. If they did, would I have to pay the deductible.4. Does the HOA have any say in this as it clearly is a danger to my family.Thanks!It is a single family house on property I own in Maryland. I use USAA for homeowners insurance.  <response>: Usually, no, home insurance doesnt cover something like that. I think the insurance company seems to be willing to gamble that they wont be insuring the house still when the treelimb falls and causes damage. So if they pay for it now theyre out that money, and if they wait they might not have to pay out later. 