Penny Gusner is a senior insurance writer and analyst at Forbes Advisor. For more than 20 years, she has been helping consumers learn how insurance laws, data, trends, and coverages affect them.

Saint Bread was one of 22 bakeries included in "22 of The Best Bakeries Across the U.S. Right Now" published on Tuesday morning. "There are few places more pleasant in Seattle for baked goods than ...