I haven't heard of anyone (yet) having major issues getting insured up here. There are some things like shake shingle roofs that are red flags, but nothing about trees being on the property. My insurance is expensive, but we're covered and didn't have any issues getting it and our yard and neighborhood are loaded with trees. I made sure to provide proof that we had a metal roof, a yard with good mitigation and distances to rural fire stations, etc. I use Travelers Ins.