And when the lines run underground, those step down transformers sit right on top of the ground, and they are rather large (partly because they can be touched by people so extra safety has to be built in).So you just trade one eyesore for another ...

You don't go out of your way to accommodate how you think every tenant will prefer to do business; you set a policy and stick to it.

What's the difference in the two policies?

And your insurance policy needs to be for a rental. 

That said - what's up with the policy of four times a year?

Some people will say, "Take out a quality Insurance Policy and you will be protected."

I called the Insurance company and in the process of getting it covered, but the policy haven't issued yet.

My question is. ( not worried about your personal safety) what concerns would you have? 

I would check with the city and see if there are requirements for maintaining trees for safety.

The HOA should have a policy of only billing property owners - not renters.