Having a Child

Insurance and Having a Baby

Congratulations to you and your baby! You're euphoric!

And when you finally get over the rush, a sense of responsibility settles in. A baby is a big responsibility. There's nothing bigger.

When you begin thinking about your insurance needs now that you have a little one, consider homeowners and life insurance.

Homeowner's 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 homeowner's policy will protect:

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

Peril means cause of loss. A homeowner's policy will protect you and cover your structure and belongings from damage resulting from 11 perils:

  • 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

                  ** Flood coverage is usually available on a separate policy

Homeowner policies will also pay for reasonable living expenses if your home is deemed uninhabitable. This will continue your shelter if you're struck by a peril.

Brooks-Waterburn will make sure you have all you need to maintain shelter for your family.

Life Insurance for Parents

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

That question strikes at the core of a family unit.

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.
Brooks-Waterburn can show you the best available life insurance options for parents and how to add beneficiaries to the policy. Your family will always be financially provided for in the event of an unfortunate loss.

Life Insurance for Your Baby

Life insurance is designed for you and your spouse so your dependents are provided for. Brooks-Waterburn doesn't recommend life insurance on a baby.

Contact Brooks-Waterburn for all of the latest life and homeowner insurance options for your new family.