Having a baby is one of life’s most exciting moments, but between the constant crying, lack of sleep, and consistent feeding, it is easy to forget to do the little things – like signing your baby up for health insurance. Luckily, you can take a breath because if you receive medical benefits through your employer, your baby will be automatically covered under your policy for the first 30 days. Giving birth is a qualifying life event, which means that you can either sign your baby up for your current plan or switch to a different one during a period outside of open enrollment. These rules apply to any new parents – regardless of whether you are having a natural birth or adopting.
If you do not have insurance through your workplace, you can use the federal government’s health insurance marketplace to shop for coverage through a Special Enrollment Period. Similar to above, this is a time outside of the open enrollment period when you can sign up for health insurance because you’ve had a qualifying life event like having a baby, adoption, getting married, and losing existing coverage. You have up to 60 days after the qualifying event to sign up for health insurance. If you attempt to sign up outside of that range, you’ll have to wait until the next open enrollment period.
At QuoteBroker Insurance Services in Santa Clarita, CA, we understand that having a baby can be exciting and overwhelming. Consequently, we make it easy for you to find the best health insurance policy for your needs by doing the heavy lifting for you. Give us a call today to learn more.
Updating your commercial insurance in Santa Clarita, CA starts with asking some pivotal questions. Too many business owners will renew their insurance, never stop looking at the policy’s terms and how they might not mesh with their current operations anymore. QuoteBroker Insurance Services has a few tips so that you can get your policy up to speed.
A new policy means that you need to factor in what might have changed between the last time you looked at it. What’s your customer volume like these days? More people means more chances for liability, so it helps to be prepared in that area. You may need to increase your liability limits or even check into an umbrella insurance policy to keep yourself protected. If you’re ordering more inventory or changed your business practices in any way, these are also good things to keep in mind when you’re creating a new contract.
Who Are You Working With?
Some insurance companies are more communicative than others. They take the time to learn more about your business and how coverage can keep it protected. But others don’t have that same agenda. If you find yourself dreading the idea of reaching out to your carrier, then updating your commercial insurance could be as simple as switching companies.
QuoteBroker Insurance Services is here to serve the many business owners of Santa Clarita, CA, and keep them protected from any number of potential events. Whether it’s an unexpected storm or a cybercrime, we can discuss several scenarios and what you can do to prepare for them. Give us a call today if you’re looking to update your commercial insurance coverage, so we can get the ball rolling.
Customizing your home insurance in Santa Clarita, CA is likely more common than you think. Too many people will look at their neighbors and assume that the home insurance policies are the same. But just because you live in the same area doesn’t mean that you use your home in the same way. QuoteBroker Insurance Services is here to give you three tips for getting your home insurance to be as personal as your property is.
1. Look at What You Do
From cooking to crafting, some activities are more dangerous than others. In addition, if you’re using your home for any commercial interest, you may need to update your policy to include this information. For example, if your home sustained fire damage while you were melting down metal to make jewelry. If you were doing this to sell the jewelry and hadn’t alerted your home insurance carrier about this, you risk the chances of your claim being approved.
2. Think About What You Buy
Major purchases in a home are usually not done all at once. Instead, homeowners do so gradually, forgetting that each purchase increases the total value of their possessions. It’s important to update your coverage limits when exceeding their current values, and a smart step toward better customization.
3. Consider Your Carrier
Customizing your insurance is far easier when you have a reliable partner by your side. At QuoteBroker Insurance Services, we’re here to provide you with excellent customer service so that you can be certain your coverage is what you’re looking for. If you have questions about updating your home insurance policy in Santa Clarita, CA, we’re here to talk through your options so you can settle on the right policy for you.