>> Actually trees falling on things are extremely unlikely.   <<

Huh??

I live about 40 min from Ron and I am also in the woods. Our house has about
100 trees around it.  A bad storm that took out power last summer dropped
huge trees on both of my neighbors across the street causing major damage.
Giant branches in my yard are a given after any storm here. At least 5
houses have been hit by huge trees on my street since I moved in 5 years
ago. The way the insurance works around here is you had better have a tree
guy out periodically to check all your trees. If he gives the OK then you
are fine. If you neglect the trees here the insurance will give you a really
hard time when one falls on something which is quite common around here.

My 83 is parked right next to a hickory which is least likely to fall. I'm
hoping that will be some buffer if another one falls.

Bryan