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Having a Child

Congratulations to you and your baby! You must be euphoric!

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.


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 insurance policy to fit your family’s needs can be designed by an insurance professional.

A homeowners Insurance policy will protect:

  • Family belongings
  • Your home and other structures on your property
  • 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
  • Glass breakage
  • Smoke
  • Volcanic eruption
  • Personal liability

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

Homeowner policies will also pay for reasonable extra living expenses if your home is deemed uninhabitable.

Read your policy carefully.  Coverage and exclusions vary by state and by company.

Huff Insurance will make sure you have all you need to maintain shelter for your family.  Remember that no two homeowners insurance policies are exactly alike.  So make sure your insurance agent talks about more than the prices of the insurance when going over your options.


What will your family do if something happens to you or the child’s other parent?
What if one of 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 agent. In fact, the purpose of life insurance is to provide for the people who are financially dependent on you after you’re gone.

Huff Insurance 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.


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, Bancorp® Insurance doesn’t recommend 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. Huff Insurance today at 410-647-1111.  We will provide you with all of the latest life and homeowner insurance options for your new family!