{"id":1294,"date":"2025-01-06T21:08:28","date_gmt":"2025-01-06T21:08:28","guid":{"rendered":"https:\/\/www.acceptanceinsurance.com\/blog\/?p=1294"},"modified":"2025-01-10T17:21:48","modified_gmt":"2025-01-10T17:21:48","slug":"newborn-insurance-needs","status":"publish","type":"post","link":"https:\/\/www.acceptanceinsurance.com\/blog\/newborn-insurance-needs\/","title":{"rendered":"Bringing a New Baby Home Soon: What Insurance You Need\u00a0"},"content":{"rendered":"\n

Your life just changed dramatically and permanently. It was a joyful change \u2014 one you\u2019ll always treasure. Your first baby was born and is coming home soon. <\/p>\n\n\n\n

Now what? Can you fully financially protect the child you just brought into the world? You might be asking yourself, \u201cWhat insurance do I need when having a baby?\u201d Or \u201cHow do I get insurance for my new baby?\u201d. <\/em>Perhaps you think of your needs as newborn insurance, but it\u2019s actually your health insurance<\/a> and several other coverage decisions that you must make. <\/p>\n\n\n\n

Here\u2019s what you should know immediately about your so-called newborn policy. <\/p>\n\n\n\n

Welcoming a New Life: The Basics of Baby-Friendly Insurance<\/strong> <\/h2>\n\n\n\n

Do babies need special insurance? Rather than carrying what you might think of as newborn coverage, the recent birth should make you rethink old policy strategies on several fronts. <\/p>\n\n\n\n

For instance, you and your partner may have minimized your own healthcare coverage needs. You feel that the two of you lead healthy lifestyles and can get by with high deductibles and minimum medical coverage. That might have been true once, but the situation will change with a newborn whom you want to keep healthy and well-protected. <\/p>\n\n\n\n

You might similarly rethink your other plans, including your auto coverage<\/a> and homeowners policy<\/a>. And you might be considering acquiring life insurance<\/a> for the first time. Here are some of the decisions you need to make when considering insurance for babies. <\/p>\n\n\n\n

Health Coverage Essentials for Your New Bundle of Joy<\/strong> <\/h2>\n\n\n\n

Even the healthiest baby must have regularly scheduled checkups and a schedule of vaccinations. You might also need to take your child to the emergency room in the middle of the night or seek treatment and meds for a fever or a cough. <\/p>\n\n\n\n

The point is, when you add a newborn to a health insurance policy, you\u2019ll want to do it right. Your baby\u2019s health and safety are your primary concerns, and that will always be the case. That\u2019s why you want to make sure that your healthcare plan is of high quality and has the coverage options that your growing family needs. <\/p>\n\n\n\n

If you live in the Golden State and can\u2019t afford an adequate medical policy for your young child, you can get help through Covered California. You\u2019ll get outstanding coverage benefits at a rate you can afford. With the best medical care and financial protection available for your young one, you\u2019ll all sleep better at night. During Open Enrollment from Nov. 1 through Jan. 31, the friendly agents at Acceptance Insurance will guide you through that process for free. Just give them a call at 877-423-5651<\/a>. <\/p>\n\n\n\n

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Home and Auto Insurance Adjustments with Baby Aboard<\/strong> <\/h2>\n\n\n\n

Your home and auto coverage rates won\u2019t change because your family increases in size. However, you might want to look again at both existing policies to make sure they reflect the changing needs of the growing family. <\/p>\n\n\n\n

For instance, you might add a swing set or other playground equipment to your property or even install a pool. This could increase the risk of accidents and affect your premiums. <\/p>\n\n\n\n

You might also consider reviewing the personal liability coverage in your homeowners policy. As your newborn grows, other children might come into your home on play dates. If they get injured on your property, your liability coverage will help cover their medical expenses and even your legal costs. <\/p>\n\n\n\n

Your newest family member might actually help reduce what you pay for your car policy<\/a>. Having your baby strapped into a car seat behind you might make you a safer and more cautious driver than ever before. That could, in the long run, improve your driving record and shrink the premiums you pay for your plan. <\/p>\n\n\n\n

On the other hand, you might think about adding emergency roadside assistance services<\/a> to your existing coverage. This will get you whatever help you need, 24\/7, with one toll-free call. You wouldn\u2019t want to be stranded in the middle of the night with a sleeping baby and a car with an empty fuel tank, flat tire, or other calamity without this built-in assistance. <\/p>\n\n\n\n

In short, you should contact your insurance agent before your baby is born, and chat about how all of your coverage might change for your child\u2019s ultimate protection.  To save even more, ask your insurance agent about bundling your home and auto policies. <\/p>\n\n\n\n

Life Insurance: Securing Your Child\u2019s Financial Future<\/strong> <\/h2>\n\n\n\n

When should you get life insurance<\/a>? It might be a topic that wasn\u2019t even on your radar screen before now. You and your partner are about the same age, you both have good jobs, and you think you\u2019re too young and healthy to start thinking about death. <\/p>\n\n\n\n

But now you have new responsibilities. You have a child whose finances could be left in a precarious state if you should die unexpectedly. In addition, you would like to leave your child with an inheritance. Perhaps you\u2019d like to provide for their education or that of their kids when you are gone. <\/p>\n\n\n\n

Whatever the situation, now is the best possible time to apply for a life insurance policy<\/a>. The fact that you\u2019re young and healthy means your premiums will be low and very affordable. You might apply for term coverage, whole life, or other options. <\/p>\n\n\n\n

Whole life insurance provides coverage until your death as long as you keep paying your premiums. Your chosen beneficiaries then get a guaranteed death benefit when the time comes. <\/p>\n\n\n\n

Term life, on the other hand, provides coverage for a designated period of time and then expires, and you stop making premium payments. This might be the ideal life insurance option if you only want financial protection when your child is young and financially vulnerable. You might carry a term policy that takes the child from birth through their schooling years. With such a plan, you can feel secure in knowing that your child is financially protected while they\u2019re growing up and before they leave the family nest. <\/p>\n\n\n\n

Again, this should be a discussion between you and your life insurance agent. If you establish contact with an independent agent, they represent multiple carriers. That means they can go shopping for the policy that\u2019s right for you in terms of family protection and affordability. <\/p>\n\n\n\n

Protect Your Growing Family\u2019s Needs with Acceptance Insurance<\/strong> <\/h2>\n\n\n\n

Your life has joyfully changed. Make sure you keep up with those changes with your newborn insurance needs. Even before your child is born, you need to discuss when to buy insurance when you\u2019re expecting a baby \u2014 and the coverage changes you should consider. <\/p>\n\n\n\n

That\u2019s where your independent agent at Acceptance Insurance comes into the discussion. At Acceptance, we can help you acquire a quality health policy for your baby and answer your questions about the other coverage plans that need to be considered or reconsidered. <\/p>\n\n\n\n

Call us at (877) 405-7102<\/a>. You can also go to our website and get a quick and easy quote for health insurance<\/a> and your other coverage needs. Or chat with an expert by finding an Acceptance office near you<\/a>. <\/p>\n","protected":false},"excerpt":{"rendered":"

Your life just changed dramatically and permanently. It was a joyful change \u2014 one you\u2019ll always treasure. Your first baby was born and is coming home soon.  Now what? Can you fully financially protect the child you just brought into the world? You might be asking yourself, \u201cWhat insurance do I need when having a […]<\/p>\n","protected":false},"author":1,"featured_media":1295,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[16,43],"tags":[],"acf":[],"_links":{"self":[{"href":"https:\/\/www.acceptanceinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/1294"}],"collection":[{"href":"https:\/\/www.acceptanceinsurance.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.acceptanceinsurance.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.acceptanceinsurance.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.acceptanceinsurance.com\/blog\/wp-json\/wp\/v2\/comments?post=1294"}],"version-history":[{"count":4,"href":"https:\/\/www.acceptanceinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/1294\/revisions"}],"predecessor-version":[{"id":1305,"href":"https:\/\/www.acceptanceinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/1294\/revisions\/1305"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.acceptanceinsurance.com\/blog\/wp-json\/wp\/v2\/media\/1295"}],"wp:attachment":[{"href":"https:\/\/www.acceptanceinsurance.com\/blog\/wp-json\/wp\/v2\/media?parent=1294"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.acceptanceinsurance.com\/blog\/wp-json\/wp\/v2\/categories?post=1294"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.acceptanceinsurance.com\/blog\/wp-json\/wp\/v2\/tags?post=1294"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}