Life changes dramatically when you learn you're having a baby. While parents-to-be might feel like there are a million tasks to accomplish, one of their priorities should be looking over their insurance coverage in light of their new needs. Below are some of the key types of coverage and what adjustments might have to be made.

3 Types of Insurance for Soon-to-Be Parents

1. Health

During pregnancy, women need to undergo regular testing to monitor the baby. They may also need to take special medication to ensure the fetus grows appropriately. They, therefore, need health insurance that covers prenatal visits, labor and birth services, as well as other gynecological and pediatrician appointments. According to the Affordable Care Act, insurers cannot deny you coverage—or charge you more—due to a pregnancy.

2. Car

If you're currently driving a compact car or sporty roadster, you may need to change vehicles. A minivan or SUV is far more practical for family use, and because they are safer to drive, they are often less expensive to insure. Therefore, consider boosting your coverage and lowering your deductible so you suffer less of a financial burden if the unexpected should occur.

3. Life

A life insurance policy enables you to provide for your child even if you are no longer there to earn an income. The death benefit can be used to make sure the child's guardian can provide appropriate food and shelter, or even to pay for educational expenses. It is an invaluable risk-management tool that provides you considerable peace of mind.

To update your insurance policies before your baby arrives, contact Doris Watson Insurance Agency in Broken Arrow, OK. As a branch of State Farm®, they serve clients in and around Tulsa County, specializing in auto, home, health, and life insurance. They also offer help with retirement planning and annuities. Call (918) 251-4333 to request a quote or to ask questions today.