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Having a Child and Insurance

How Does Having a Child Affect My Insurance?

Huff Insurance, Pasadena MD, How does having a baby affect my insuranceAt Huff Insurance we want to be say congratulations to you and your baby! You’re euphoric!  We have Protecting Lifestyles™ of Maryland Families and providing peace of mind since 1960.

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 family’s insurance needs now that you have a little one on the way, you’ll want to consider Homeowners Insurance and Life Insurance.

Maryland Homeowners Insurance for a Family

Shelter is a basic human need. You have to maintain that shelter for your child 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 insurance policy tailored for you by Huff Insurance will help you achieve continuous shelter.

A homeowners Insurance policy with Huff Insurance will protect:

  • Your family’s belongings
  • Your home and other living structures
  • Your liability for medical payments in case someone gets hurt on your property or by your negligence away from your property

A custom tailored homeowners insurance policy from Huff Insurance will cover protect you against may perils. A peril is cause of loss. A basic 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
  • Glass breakage
  • Smoke
  • Volcanic eruption
  • Personal liability

(Note: Flood Insurance and Earthquake Insurance coverage is usually excluded but may be available on separate insurance policies)

Homeowner insurance policies will also pay for reasonable living expenses if your home cannot be lived in during the repair phase. This will provide your shelter during a time of loss so you can keep your independence and not rely on the Red Cross or a relative for a place to stay.

Because we make Protecting Lifestyles our mission, Huff Insurance 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 every family.

And that’s the question you’ll answer when you consult with a life insurance specialist at Huff Insurance. In fact, the simple purpose of life insurance is to financially provide for your family after you are gone.
Huff Insurance can show you the best available life insurance options for parents like yourself. We want to help you ensure that your family will be financially provided for in the event of an unfortunate loss.

We want to help you protect your baby in the best way possible

Contact Huff Insurance today 410-647-1111 and we will provide you with all of the latest life and homeowner insurance options for your new family!  And one again, Congratulations!

Huff Insurance is a full service Trusted Choice® Insurance Agency.  We have been dedicated to Protecting Lifestyles™ since 1960.  We offer a full array of Personal Insurance, Commercial Insurance and Life Insurance & Health Insurance products.



“I LOVE that I can always talk to an actual person, locally. when I have a question or concern and the Huff is ALWAYS quick to get back to me or handle my issue immediately!”

Jessica Robinson -Pasadena, MD

I searched a few companies when I was ready to change  home insurance, initially because of an unreasonable increase in premiums.  I was impressed with the presentations of numerous options of coverages and info that allowed me to make intelligent decisions.  I had numerous questions, all of which were answered quickly and in a very friendly and professional manner.  For all of these reasons, I recommend others should contact Huff. Thanks again for wonderful service.

Richard Skarolid – Lusby, MD

“We just switched to Huff Insurance after being with another company for over 20 years. We wish we had done this sooner. Huff saved us $500 a year and we have BETTER coverage (auto, home, umbrella, Flood (Insurance)). I didn’t realize how much I missed having a local independent agent. The staff is great and very responsive. They take the time to run the numbers and find the best fit for your needs. Wonderful, personalized service. Thanks all! Kathy”

Kathy Bolton- Severna Park, MD

I have been doing business with Huff Insurance for over 20 years and I think you guys are great!! Everybody at Huff Insurance is always friendly and efficient if I have any questions they are usually answered right away.

Wendy Morgan – Centreville, MD

I work in estate planning and administration and called Huff Insurance regarding a security bond for a Personal Representative. Due to the COVID-19 health crisis, our clients are in desperate need of our services, so we were relieved to learn that Huff was available to work with us. And so that you know, I was extremely impressed by the customer service. …. They were exceptionally courteous and impressively efficient. I went so far as to make a notation about my experience with her in our company database.

Once again, thank you for reaching out. I very much look forward to working with Huff Insurance in the future.

Patty Perez – Downs Law Firm- Laurel ,MD
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