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Originally published: Oct 23, 2020 | Updated: Aug 19, 2025 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?"

So, you’ve read all the parenting books, finished painting the nursery just the right color, and are wondering what exactly should come next - besides the baby of course.

You wouldn’t trust just anybody with your life, so you shouldn’t trust just anyone with your life insurance.

Getting rejected can be hard, especially when it comes to trying to project your family and future.

You don’t need us to tell you that losing a loved one is difficult. The realization that the presence of your close friend or family member will no longer be in your life is probably one of the hardest things you’ll ever have to go through.

Life insurance: It’s something that you don’t ever want to use, so of course it isn’t something you’re going to be thrilled about paying for.