Having or Adopting a Child
Congratulations! Your expecting!
And when you finally get over the rush, a sense of responsibility settles in. Bringing a baby or child into this world is a big responsibility. There's nothing bigger.
When you begin thinking about your insurance needs now that you have a new addition to your family, you'll want to consider Homeowners Insurance and Life Insurance. There is nothing special you need to do to your auto insurance policy until the child is permitted or becomes a licensed driver. We would however like to offer these important tips about car seat laws and requirements in NY and car seat safety.
Homeowners Insurance for a Family
Shelter is a basic human need. You have to maintain that shelter for a 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 or if you or a resident relative are a victim of a liability law suit.
Peril means cause of loss. A basic homeowners insurance policy will protect you and cover your structure and belongings from damage resulting from 11 basic perils. They are:
- Windstorm or hail
- Fire and lightning
- Vandalism or malicious mischief
- Damage from vehicles and aircraft
- Riot or civil commotion
- Glass breakage
- Volcanic eruption
- Personal liability
(Note: Flood and earthquake coverage is usually available on separate policies or by endorsement)
At Tanner we know that there are many other common losses and the above perils are just that BASIC. We want to be sure you are protected against the weight of snow and ice on the roof, the freezing and accidental bursting of pipes, back up of sewer and drains, falling objects, electrical damage to appliances, collapse and more. We will tailor a policy to fit your budget and your families needs.
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.
Tanner Insurance Agency, Inc 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.
Tanner Insurance Agency, Inc 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, you probably don't need to buy 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 Tanner Insurance Agency, Inc today at 1-888-484-2467 and we will provide you with all of the latest life and homeowner insurance options for your new family!