Having a child is the start of a joyous adventure. If you’re a new parent or expecting your first child, insurance may be one of the last things on your mind, but updating policies and adding coverage for a newborn is crucial for their protection that of your entire family. Below are a few changes to your insurance policies you may need to make as your family grows.

Insurance Changes to Make After Having a Child

1. Purchase Life Insurance

Thinking about your mortality is always uncomfortable, but should you die without insurance, your family may not have the resources they need to live on without hardship. Life insurance is an opportunity to continue providing for your children after you’re gone. Stay-at-home parents should also secure coverage so that working families can pay for child care, housekeeping, transportation, and everything else needed.

2. Add Your Child to Your Health Insurance

If you have health insurance, adding a new dependent to the policy is straightforward. However, if you’re uninsured or still on your parents’ plan, you’ll need to purchase coverage of your own. Fortunately, the birth of a child triggers a special enrollment period, giving you 60 days to acquire health insurance from an employer or purchase it.

3. Update Other Insurance Policies

After the birth of a child, many families move, trade in a car for a safer vehicle, or remodel. Each of these actions will likely affect your insurance requirements, so be sure the coverage on your home and auto is sufficient to protect any upgraded assets.

Since 1965, A.W. Adams Insurance has been providing customized insurance coverage and friendly, personalized service to families in Clayton, Tiger, Wiley, Tallulah Falls, Sky Valley, Lakemont, Lake Burton, and Lake Rabun, GA. If you’re expecting a child, their experienced agents will compare policies from the nation’s top carriers to find options suited to your needs. Visit their website for an overview of their insurance products and services, call (706) 782-5100 to request a quote, and follow  them on Facebook for more helpful insurance tips.