Having A Child
Congratulations to you and your baby! You're have just found out you are going to have a baby and your euphoric!
When the excitement is over and your mind turns to more practical thoughts, your sense of responsibility starts to come into your thoughts. Babies are a big responsibility, as a parent myself there is nothing bigger.
I know when I mention this to you now it's not going to be your most pressing priority for the baby, but eventually you need to give what I 'am about to mention some thought at some point. There are a few things I just want you to be aware of. Your insurance needs for you and the baby, now and in the future. The two insurance products to take sound advice on, is your Homeowners Insurance and Life Insurance.
Homeowners Insurance For A Family
Having a place you call home for you and your family is a basic human need. You want to make sure that your Home is a haven for you and your family where everyone feels safe and protected. Because that baby is going to be with you for a while, usually about 18 to 22 years. Can I ask you to think about getting Home Insurance protection for you and your young family.
Let our Home Owner professional advisors ensure that you get the right protection for your house and what is in it.
Our homeowners policy will provide the protection you need, because I know how important your family is to you.
- Your family belongings and anyone who resides with you (as long as they are not a lodger) will be insured
- Your house and all other structures on your property forming part of your home residence
- Your liability as a home owner for anyone who visits your property is also included
The perils we provide cover as a homeowner will protect you for damage or loss to the building and your contents from the following perils:-
- Fire including lightning
- Vandalism & malicious damage
- Theft or even attempted theft
- Damage as a result if impacts by motor vehicles or aircraft
- Rioting or civil commotion
- Breakage of windows
- Smoke damage
- Homeowner liability
- Accidental damage can be included for a small additional premium. It changes your protection to Fully Comprehensive cover
(Note: Flood in certain areas of the country is available for an additional premium)
The policy will also pay for reasonable living expenses if your home is uninhabitable and cannot be lived in whilst work is being carried out. We will either get you in a local hotel or pay for rented accommodation.
At Crosby Insurance Brokers our policy will ensure that we will keep you and your family sheltered at the time of your greatest need.
Life Insurance & Income Protection
If you love your family then you need to consider that if you lost your earning power due to an accident, or maybe illness and you were off work for a while. Who is going to keep paying your household expenses, like the mortgage, utilities, clothes, food, etc
If you lose your earning abilities this will hit your family hard.
Our Financial Advisors will help you make the right choices and ensure you get the right cover for you and your family, that provides that financial stability when you really need it. Getting the right advise from experts is essential, there are just some things this important that you know you just have to get right first time. We want to help you do this and give your family a sound fianancial protection for them in the unfortunate event something happens.
Life Insurance For Your Baby
You may have realised this but we cannot offer Life Insurance cover to a minor, that is someone under the age of 18 years. But you can take out life cover in your name or a saving plan on behalf of your baby or child, so that the life policy matures you have funds to pay those dreaded University fees if they stay in education or use the money any way you want, but at least your child can have a really sizeable nest egg when they are old enough. Again our Financial experts can take you through the process, free of any charge, and let you make the right decision about you and your families future.
It is our number one priority to give you sound financial advise today and every day 0191 565 7590. Let my team provide you with all the latest life, income protection or homeowners insurance protection for your Family. Because we are not tied to just one insurer, we earn our commission by checking many, many insurers and make a recommendation based upon what you want.
I hope to hear from you very soon, please click on our contact form in client services and let us start looking after you.