Does homeowner insurance cover buried tree stumps causing a sink hole?

Answer 1

There is no coverage for land (dirt or soil). The only coverage for trees is if they are felled by wind or lightning and cause damage to a covered structure.

If you just have a tree felled or a stump out in your yard it would not be covered, that's just part of the normal and expected owners maintenance of a home and property.

When a tree falls onto your dwelling or fence, the cause of loss is "wind" and, depending on your specific policy there is usually coverage to pick the tree up off the covered property (roof or fence), cut it up & haul it off. The tree itself is not insured for wind.