Tag: parents

Halloween Horrors Covered by Your Homeowners Insurance

Posted on by butlervetinsurance

Your homeowners insurance will protect you from Halloween home mishaps.

Halloween is one of the best nights of the year for children! Unfortunately, this playful, mischievous manner could turn into mayhem when a trick-or-treater trips or your jack-o’-lantern is knocked over.

Fortunately, you can cackle your way through this night as most homeowners insurance policies cover these nightmare situations!

  • Tricksters damage your home: Standard homeowners policies cover vandalism when repair costs exceed your deductible.
  • Candles cause a fire: Fires caused by a jack-o’-lantern candle or a string of ghost lights will be covered. If you are unable to live in your home because of damages, your homeowners insurance will also pay for your additional living expenses.
  • Trick-or-treating trauma: Injuries caused to children or their parents are covered by the homeowner liability portion of your policy.
  • Car crash: If you crash your car by to avoid hitting a trick-or-treater (it happens more than you think!), the accident would be covered by the collision portion of your auto insurance. If anyone is hurt, your liability protection will take care of that.

Luckily, with proper insurance, you will have coverage throughout all Halloween misfortunes! That being said, you can reduce the likelihood of an accident by ensuring all paths to the house are clear, double-checking that there is sufficient lighting, and not lighting any open flames.

Visit Stromsoe Insurance Agency to put the necessary insurance in California in place before Halloween night. We promise no tricks in our insurance policies!

Financial Advice For New Parents

Posted on by butlervetinsurance

Just Starting Out? Use These Tips

Having a baby changes your life. Everything from the food you eat to the friends you have will likely change once you bring your new little one home! Of course, your financial situation will have to change as well. On top of having another mouth to feed, you also get to start thinking about fun things like college savings and life insurance. To help you successfully manage your money as your family grows, here is some financial advice for new parents.

  • Start Saving: As new parents, you should have two types of savings accounts set up. The first should be an emergency fund and you should try to keep it stocked with around six months of living expenses. This ensures that even if you lose your job or find yourself facing a big bill you did not expect, your family can continue to live comfortably. The second type of account you need is a college savings plan. Talk to a financial adviser to determine the best type of account to save for college with the best tax benefits.
  • Get Insured: Since you now have another little person who is relying entirely on you for financial security, it is important you protect yourself against money troubles. The good news is you can do just that with insurance! For example, disability insurance ensures that even if you have to stop working, your family still has income and life insurance will protect your family as they transition to life without your paycheck. Talk to an insurance expert to get the right coverage for your changing family.

As we talked about above, one way you can help set yourself up for financial success is by carrying the right insurance coverage to ensure an unforeseen event never drains your bank account. To get the policies you need for financial stability for your growing family, contact Stromsoe Insurance Agency.