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Having a Child

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, you’ll want to consider 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

Peril means cause of loss. A homeowners insurance 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
  • Water Damage
  • Smoke
  • Personal liability

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.

Bunnell Hitchon Insurance Brokers Inc. will make sure you have all you need to maintain shelter for your family.