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Horizon Insurance Agency, LLC Blog

Washington Health Insurance: Health Insurance Guide for New Parents

As a new or expecting parent in Washington, there’s a lot on your mind. At the top of your priority list is your baby’s health care. When you begin changing boxes on health insurance forms from single, to family, you know life will never be the same again. 

At Horizon Insurance Agency LLC, we want every family in Puyallup, WA to have what they need when it comes to health insurance coverage.

Qualifying Life Event

When your baby is born, in most cases, your child will be covered by your health insurance for the first 30 days of their life. You won’t have to worry about individual coverage right away. If you are already covered under someone else’s plan, like your parents, for example, this may not be the case.

Check with your insurance provider to make sure the first 30 days of your baby’s life are covered. It’s possible to change insurance plans and coverages because this is considered a “qualifying life event.”

As a qualifying life event, by the time your child’s first 30 days are up, you will need to begin to think about your baby’s health insurance, and your family’s. A qualifying life event means that you will qualify for a special enrollment period that can happen whenever your life event happens, even if it’s not open enrollment time.

How to Change Health Insurance

From here, you’ll need to think about what your family’s health insurance will look like now. You can add your child to an existing plan, or change your health insurance coverage.

Shop around, as there are insurance discounts everywhere for new parents. That could include health coaches, breastfeeding counseling and discounts or coverage for supplies, live support, and new parent incentives.

Get a Quote

As a new parent or expecting parent, you want to make sure your family has the right health insurance. Contact the Horizon Insurance Agency LLC serving Puyallup, WA for a quote today.

Do you need to have umbrella insurance in Washington?

If you are a resident of the Puyallup, WA area, you will need to obtain a variety of insurance plans. One important form of coverage to consider getting here is umbrella insurance, which offers personal liability coverage to the policyholders. There are a few reasons why someone will need to have an umbrella insurance plan here.

Coverage Protects Against Big Risks

One reason people here need to have an umbrella insurance plan is that the coverage can protect against bigger risks. Most people in Washington are going to have liability coverage in their home or auto insurance plans. However, there is always a chance that a liability claim can exceed your existing policies. Fortunately, if you have an umbrella plan, you will receive coverage on top of your existing policies. 

Coverage for More Scenarios

It would be best if you also considered getting an umbrella insurance plan to receive protection for more scenarios. There continue to be liability risks that people take on that are not covered by home or auto insurance plans. With an umbrella plan, you will have blanket liability protection that will cover far more scenarios that pose liability risks. 

If you would like to get an umbrella insurance plan in the Puyallup, WA area, it would be a good idea to call the team with Horizon Insurance Agency LLC. There are always many important factors that need to be considered as you are looking for an umbrella plan. When you speak with the Horizon Insurance Agency LLC team, you will get to learn more about this unique form of insurance. The team can also offer you any support you need to choose the right plan for your situation. 

Auto insurance FAQs

Auto insurance is designed to protect you and also to protect others. Almost every state mandates residents carry at least liability insurance. You can choose to have collision and comprehensive coverage in addition to the liability. Understanding what coverage is right for you can be challenging. Having an insurance agent you trust and who works for your best interest is important. At Horizon Insurance Agency LLC in Puyallup, WA, our experienced team will tailor your insurance to your needs. 

Is Washington a no-fault state?

No, Washington is not a no-fault state; it is an at-fault state. This means the driver who is at fault is responsible for paying for injuries and damage sustained in an accident. 

How much liability coverage should I have?

Washington requires drivers have 25/50/10. That translates as $25,000 for injuries to one person and $50,000 per accident. Property damage coverage is $10,000. Given the cost of a hospital stay and a new car, you can easily see the amount of basic coverage is woefully short of what the actual amount ends up being. It could leave you paying a lot of money out of pocket. Consider the assets you’re trying to protect when determining how much coverage you need. 

How do I choose a deductible?

The deductible is the amount you need to pay out of pocket for every claim. It isn’t a yearly deductible. It is a per claim deductible. The deductible amount does influence the premium, but it also means you have to have the money to pay it if you have a claim. A common deductible is $500 but making it $1,000 will cost you less. 

Contact Horizon Insurance Agency LLC in Puyallup, WA for all your insurance needs. As an independent agency, our team can offer choices from the many carriers we work with. 

 

What Homeowners Should Know About Home Insurance

Owning a home is one of life’s most fulfilling experiences. However, when it comes to home insurance, there’s a lot to learn. Whether you are a new homeowner or considering switching your home insurance policy, here’s what you should know about homeowner’s insurance.

Lenders Require It

If you have a mortgage, you will be required by the lender to have home insurance. This not only protects your investment but the mortgage lenders should things go wrong. Lenders will normally have specific requirements for the type of insurance and coverage amounts. It’s your responsibility to make sure that your insurance policy covers these requirements.

What’s Covered

Each policy has specific things that it covers. Most policies will list what’s not covered in terms of catastrophic events. If it’s not listed, then you can assume your policy covers it. Your policy will cover both the structure of your home and the contents within your home. However, if you have furniture, jewelry, or cash savings in the home, you may need separate coverage for these items.

What’s Not Covered

Standard policies do not cover floods and earthquakes, so you will need to add coverage for these conditions. Some policies don’t cover other natural disasters, like high winds due to hurricanes. Most policies cover water damage from frozen pipes, but not all cover sewage backup. You’ll need to carefully go over your policy with your insurer to know exactly what’s covered and if you need additional insurance.

Liability Coverage

Standard policies also cover liability. If someone is hurt on your property, your homeowner’s policy will cover medical bills or judgments against you. Again, you should check to see what your policy covers. Most policies have restrictions on what’s covered under your liability coverage. 

If you are in the market for home insurance in Puyallup, WA, visit us at Horizon Insurance Agency LLC. We can help you choose the right policy and answer any questions you have.

Do I Need Life Insurance?

There are several things to consider when deciding whether you need life insurance. Part of responsible financial planning is considering what your estate and monetary obligations look like upon your passing.  

Do You Have Dependents?

If you have children, a spouse, or even aging parents that depend on you financially, you likely need life insurance. What would happen to your dependents if you passed and could no longer provide income? Would they be able to pay for necessities like shelter and food? Would they struggle to get by? If the loss of your income would be a financial burden to your family, you need life insurance.

Do You Have Debts?

Would your passing leave family members with debts? This includes mortgage, credit cards, and potential medical bills. Do you have the savings to cover these debts? If your passing would leave family members owing money on your behalf, you should consider a life insurance policy.

Can You Cover Burial Expenses?

Do you have the savings to cover your burial expenses? Would family members struggle to pay for your final expenses? Life insurance can ensure that your family doesn’t have to struggle to pay for funeral expenses. 

Will It Take Time to Access Your Assets?

Even if you have the assets to cover your debts and final expenses, the money may not be readily available. If the property needs to be sold or if it must go through probate court, it can be several months before your beneficiaries can access the money they need to settle all your accounts. Insurance offers quickly available cash to cover living expenses, pay debts, and cover funeral expenses.

If you need life insurance, come by Horizon Insurance Agency LLC in Puyallup WA. We will help you select a policy that will leave your family financially secure in the event of your passing. 

 

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