Insurance considerations when 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, 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

(Note: Flood and earthquake coverage is usually available on separate policies)

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.

McClain Insurance will make sure you have all you need to maintain shelter for your family.

Need help with homeowners, flood or earthquake insurance in Washington? Because we represent a wide variety of insurance companies, you’ll have many options choose from. You can also get the process started online right here on our website.

Start Homeowners Quote

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.

McClain Insurance 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. McClain Insurance doesn’t recommend life insurance on a baby.

Contact McClain Insurance for all of the latest life and homeowner insurance options for your new family.

* Please Note:  Insurance policies vary from company to company and from State to State.  Not every Washington State insurance policy will include every coverage described above.  Be sure to read your policy and check with your insurance agent for personalized information.