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It’s officially time for those April showers! It’s not just a cliché: spring is wet — and if you are one of the unlucky ones who will experience flooding in the next several weeks, you may be dealing with a large expense if you aren’t properly insured.

If you’re like us, then you’re probably looking at 2025 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.

When shopping for homeowners insurance, it can feel like you’re searching for all the right puzzle pieces that will perfectly fit in your policy to protect your home and your family. And with so many optional coverages to choose from on top of the policy requirements, it can be hard to know exactly what you’ll need.

Home insurance is multifaceted. It offers liability coverage, damage coverage, and more in a wide variety of situations.

It may be in the mid-70s today, but let’s be real. It’s mid-October which means we could experience single-digit weather any day now.

So … you’re closing on a home. Your offer has been accepted, your mortgage secured, you have applied for home insurance, and you have had a detailed foundation-to-roof inspection of the entire home.