You’re buying a home?? Congratulations!

We are all looking for places to save some money these days.

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.

You can’t always prevent water from coming into your home, especially during this time of year. In fact, as I am writing this, I am watching a wind and rain storm that has been raging for the past seven hours.

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.