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Home ∖ Research Center ∖ Real Life Situations ∖ Having a Child

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.

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 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.

LIFE INSURANCE FOR PARENTS

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.

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, 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!

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Testimonials

“I was a long time customer of Huff , a friend convinced me to leave because he acquired a job with a competitor. It didn’t take me long to realize Huff had the better products.”
Bryan Coster – Marriottsville, MD

“After an online search, I chose Huff Insurance because other insurance companies were taking too long to provide quotes because I am a new business.
I came across Huff Insurance and noticeably, it’s a Maryland insurance company, which I preferred. I explained my insurance needs to Nancy and she provided quick service. I am happy about the quote, what’s included in the policy and the monthly payments, which are affordable. I would recommend Huff Insurance for new business insurance needs.”

Michele C – Silver Spring, 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

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

“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 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

“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
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