LIFE STAGE: ESTABLISHED FAMILIES

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Auto Insurance

If you have a child with an automobile at college, let your agent know so they can discuss specific coverage options with you. If they do not have a car while away at school (at least 100 miles), also discuss this with your agent. Maintaining a good grades and a safe driving record are important as well.

You may carpool and transport people to games or events, so again, make sure you have enough liability coverage in case you get in an accident.

Consider Umbrella insurance: This type of policy provides additional coverage to help protect your assets in case you have a lawsuit due to an accident with your car or in your home.

Home Insurance

You insure the home and your possessions (contents), not the land, so the insured value – the cost to replace your home and contents is less than the market value.

Let your agent know if you have made significant improvements in your home, for example over $5,000, so your home’s replacement value will be up-to-date.

Liability coverage in a Maryland Homeowners insurance policy helps protect you financially from theft and damage to your home and possessions, as well as to guests in your home if they get hurt (for example from a pet or a fall)

If you have a child going away to school and living in a dorm or in an off-campus apartment, check your homeowner’s policy to see if their possessions will be covered. If they will not be covered, you may want to purchase coverage for these items (for example: renter’s insurance for an off-campus apartment).

Have Jewelry, Heirlooms, Valuable Collections? Consider purchasing a rider or floater to your homeowners policy to provide coverage for these items. A separate policy may be needed depending upon the item and value.

Health Insurance

If you are not on a group health insurance plan, then you need to enroll in an Individual or Family health plan. We help people do this on or off the Maryland Health Exchange.

If you are between employer group plans and need temporary health coverage, you can consider a Short Term health plan (aka Catastrophic Coverage health plans; these are not ACA compliant) but can provide a level of temporary coverage.

If you have a dependent coming off a family plan, and not enrolling in a group plan, they may need to enroll in their own individual health plan.

Over 50? You may want to look into Long Term Care insurance and see if it makes sense for you. This coverage can play an important role in your future health needs to help cover costs for elderly services or facilities that you may need as you get older, but you need to have a thorough understanding of this type of policy, how it works, and payment options.

Life Insurance

Review your coverages and make updates based on your financial situation, and update your beneficiaries.


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