Congratulations on the life-changing, wondrous experience of having a baby. When you finally get over the rush, a sense of responsibility settles in.

When you begin thinking about your insurance needs now that you have a little one, you’ll want to consider a wide-range of crucial services.

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 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 and 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 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 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 allow you to continue providing shelter even if you’re struck by a peril.

Reid & Bradley’s Insurance will make sure you have all you need to maintain the basic necessities for your family.