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.

If you’re like us, then you’re probably looking at 2024 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.

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.

If you live in a condo, you may be aware that your home is covered under your condo association’s HOA policy. But did you know this policy likely only covers your condo’s building, grounds, and external features; nothing inside?