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.

You paid cash for your home and don’t have a mortgage? Whaaaat? Congratulations, that’s a HUGE accomplishment!

So, you know homeowners insurance covers all the “stuff” in your home, but what if that stuff isn’t actually inside your house?

If you’re a new homeowner or are shopping around for a new home insurance policy, then you know how daunting the application can feel. With so many areas to keep track of, it can feel overwhelming with how much goes into applying for insurance and getting your policy approved.

Your home: you eat there, you sleep there, you play there, you love there. You spend much of your life in your home and probably make many of your best memories there.