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CA Department of Insurance
CA Department of Insurance
CA Department of Insurance

Insure U - Get Ready Resources for parents-to-be

Get Ready resources from the National Association of Insurance Commissioners and the California Department of Insurance help new parents get smart about insurance.

From renovating a home for a new baby to teaching a teenager safe driving habits and everything in between, Americans work hard to keep their children safe. Yet despite best intentions, on average, parents spend an estimated $11.5 billion annually on injuries to children. 1

CDI is encouraging parents to educate themselves about the safety risks and insurance implications of raising a child to reduce injuries, save money and potentially even save a life.

To help consumers get smart about insurance before the unpredictable happens, CDI encourages consumers to access Get Ready resources for new parents. The resource kit includes a variety of tips and tools, such as eye-opening statistics, challenging questions to consider and a Take Action Now checklist of things to do, even before a little one arrives.

Eye-opening statistics include:

  • Parents spend an estimated $241,000 on child-related necessities from birth to age 17.2 
  • Forty-four percent of playground equipment injuries occur at home. 3


Questions to consider include:

  • Am I prepared financially should my child need special medical treatment?
  • What is my/our responsibility if another child gets hurt while playing at our house?

If you are about to become a new parent, some steps to include:

  • Find out how your health plan covers prenatal and neo-natal screenings and emergency procedures, such as a C-section.
  • Before your due date, find out the deadline for registering a newborn with your health insurance company.


 Bills on the way Graphics (Health)


Get Ready resources for new parents are available at

 new parents pic

  1. Am I prepared financially should my child need special medical attention?
  2. What’s our plan for childcare?
  3. How do I know if I have the right car for my new family?

    Driving Fail Graphics (Auto)
  4. What is my liability if another child gets hurt while playing at our house, such as on a swing set or trampoline? How can I be sure my home is kid-safe and I am protected financially?

    playground equipment Graphics (Home)

  5. What would happen to my child if I or my spouse were no longer able to take care of him/her?

    Missing assets Graphics (Life)


  1. “Protect the Ones You Love: Child Injuries are Preventable.”
  2. “Parents Projected to Spend $241,080 to Raise a Child Born in 2012, According to USDA Report.” United States Department of Agriculture; August 14, 2013.
  3.  “Injuries and Investigated Deaths Associated with Playground Equipment.” Consumer Product Safety Commission; October 29, 2009.  
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