Insurance and Having a Baby

Now that you have a little one, you're going to need to learn all about new levels of insurance; just like you learned about changing diapers and midnight feedings. 

The first thing you'll want to consider is altering or getting Homeowners Insurance and Life Insurance.

Homeowners Insurance for a Family

Shelter is a basic human need. You have to maintain that shelter for your baby for at least the next 18 to 22 years. That means you need a home through all foreseeable and especially unforeseeable life events.
A good homeowner's policy tailored for you by an insurance professional will help you achieve continuous shelter.

A homeowners Insurance policy will protect:

• Your family belongings
• Your home and other living structures
• Your liability in case someone gets hurt on your property

A homeowners insurance policy will also protect you, cover your structure and belongings from damage resulting from eleven different agents of loss:

• Windstorm or hail
• Fire and lightning
• Vandalism or malicious mischief
• Theft
• Damage from vehicles and aircraft
• Explosion
• Riot or civil commotion
• Glass breakage
• Smoke
• Volcanic eruption
• Personal liability

Homeowner policies will also pay for reasonable living expenses if your home is deemed uninhabitable. This will keep a roof over your head while your home situation gets remedied and you get your money.

Life Insurance for Parents

What will your family do if something happens to you and your earning power is gone?

And that's the question you'll answer when you consult with a life insurance specialist.

In fact, the purpose of life insurance is to financially provide for the people who are financially dependent on you after you're gone.
WHINS Insurance Agency can show you the best available life insurance options for parents and how to add beneficiaries to the policy. We want to help you ensure that your family will always be financially provided for in the event of an unfortunate loss.

Life Insurance for Your Baby

It may surprise you to learn that life insurance is primarily designed for you and your spouse, to ensure that your dependents are always provided for. Because of this, WHINS Insurance Agency doesn't recommend life insurance for your baby. An appropriate life insurance policy for you and your spouse will make sure that your baby's needs are met.

We want to help you protect your baby in the best way possible.  Contact WHINS Insurance Agency today (818) 233-0825 and we will provide you with all of the latest life and homeowner insurance options for your new family!