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.

We’re officially one month into a new year (and new decade) and many of us (myself included) are thinking about getting our finances in order and planning for the future.

We understand that nobody wants to have to use life insurance, so it goes without saying that it isn’t exactly the most exciting product to shop for.

Is it time to apply for business insurance? Maybe you’re starting a new business, or have had changes in your business structure or operations. Maybe you just aren’t happy with your current insurance price or service. Whatever it is, you have determined it is the right time to shop for or update your business insurance.

Owning a business takes a lot of work, and getting the right insurance coverage for it doesn’t make it any easier.