Having a Child

Insurance & Having a Baby

Congratulations to you and your family!

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 and Life Insurance. If you already have insurance for your New Jersey home you will want to make changes and additions to the policy. We recommend the same for a life insurance policy with your recent addition to the family. Read more below about this beautiful time in your life.


Homeowners Insurance for Your Growing 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. We can help you achieve continuous shelter by assisting you in making proper coverage decisions for your homeowner's policy.

A New Jersey homeowners policy will protect your:

    • Family belongings
    • Home & other living structures (garage or shed)
    • Liability in case someone gets hurt on your property

Peril means cause of loss. A homeowners policy will protect you and cover your structure and belongings from damage resulting from the following 11 perils:

  1. Windstorm or hail
  2. Fire + lightening
  3. Vandalism or malicious mischief
  4. Theft
  5. Damage from vehicles + aircraft
  6. Explosion
  7. Riot or civil commotion
  8. Glass breakage
  9. Smoke
  10. Volcanic eruption
  11. Personal liability

Note: Flood & 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 any of the 11 perils listed above.

Hauswirth & Sons Insurance Consultants will make sure your policy will be able to maintain shelter for your family.


Life Insurance for Parents

What will your family do if something happens to you, your spouse or both?

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 at Hauswirth & Sons Insurance Consultants. In fact, the purpose of life insurance is to financially provide for the people who are financially dependent on you after you have passed away.

Hauswirth & Sons Insurance Consultants 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, Hauswirth & Sons Insurance Consultants 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. Contact Hauswirth & Sons Insurance Consultants today and we will provide you with all of the latest life and homeowner insurance options for your new family!