Your homeowners insurance policy is there to protect your property and assets in life's most devastating and unpredictable moments. While you can never be sure what damages will happen to your home, you should always strive to be prepared.

Whether you just bought a new home (congratulations!) or are just looking over your existing policy, you may be wondering “Why is my coverage amount more or less than my home value? How much home insurance do I actually need? Shouldn't my policy coverage just cover the market value of the house?"

Ahhh, trees. They’re beautiful to look at, create shade in your yard, and act as a habitat for the birds. But they also have more practical value -- they clean the air, slow water runoff, and buffer noise pollution. They even help save on energy costs and increase property value! They’re an appealing and sensible component of your property ... unless they fall on your home.

Feeling like it’s time for a switch?

We don’t have to tell you how difficult it can be dealing with the death of a loved one. Through grieving, planning final arrangements, and wills - how to deal with the deceased’s vehicle after their passing likely isn’t on the forefront of your mind.

If you’re like us, then you’re probably looking at 2024 with some slight trepidation on what exactly the new year will have to offer. And believe us, we get it. Entering the new year can feel as daunting as it is exciting when we don’t know exactly what the year has in store for us.