Hidden Costs of Moving to Warmer Climates, Estate Planning For 'Baby Oops', First-Time Homebuyers' Insurance Needs

Moving to Florida? Arizona? Join the Crowd | Estate Planning for When Baby Oops Comes Along | The Basics of Buying Homeowners Insurance Created for {EMAIL} | [Web Version]( September 1, 2023 CONNECT WITH KIPLINGER  [LinkedIn]( [Facebook]( [Twitter]( [Instagram ]( [Youtube]( [SIGN UP]( ⋅ [WEBSITE]( [] Top Story [] [Moving to Florida? Arizona? Join the Crowd]( [Moving to Florida? Arizona? Join the Crowd]( (Getty Images) Americans are flocking to the counties hardest hit by climate change. For many of these migrants, pocketbook issues like affordable housing and lower income taxes are prime motivations. But the high cost to homeowners of extreme weather may cancel out such savings. [What will moving to Florida or the Sun Belt really cost you](? [How To Get Premium Financial Advice at a Low Cost]( Vanguard advisors are fiduciaries, and they don't earn commissions - so you can trust they'll always put your interests first. You get advice that's tailored to your unique goals.[Take the first step with Vanguard today.]( Paid non-client promotion ADVERTISEMENT [] SUBSCRIPTION SERVICES [] [Estate Planning for When ‘Baby Oops’ Comes Along]( [Estate Planning for When Baby Oops Comes Along]( (Getty Images) There are important estate planning considerations attached to having a child roughly a decade younger than their siblings. Throughout Baby Oops’ childhood, they’ll be at a substantially different stage of life than other siblings and will likely have different needs as a result. Allison L. Lee, attorney and director of Trusts & Estate content for FreeWill, has [four estate planning tasks to keep in mind to ensure Baby Oops gets what they need](. Featured Content Sponsored Content from Kiplinger's Personal Finance Magazine [Build wealth. Cut taxes. Retire rich.]( Get a [FREE ISSUE]( of Kiplinger's Personal Finance magazine, and save up to 74% to subscribe. Includes special issues such as Investing Outlook, Retirement Planning, Mutual Fund Roundup, and Guide to ETFs. Count on Kiplinger for trustworthy help to make more money, keep more of the money you make, and live a financially secure life. [CLICK HERE]( [] SAVING SECURELY [] [The Basics of Buying Homeowners Insurance]( [The Basics of Buying Homeowners Insurance]( (Getty Images) Protecting your home is essential. It’s not only where you live, it's likely your biggest investment and biggest asset. Before you look for a quote, you need to determine what and how much coverage you’ll need. [If you're purchasing your first home, here's what you need to know about buying homeowners insurance to protect it](. [Quiz For Caregivers of Aging Parents]( Whether you're among the generation feeling the squeeze or one of their aging parents, test your knowledge of the challenges facing today's Sandwich Generation who are wedged between caring for children and aging parents. [READ MORE]( ADVERTISEMENT ABOUT KIPLINGER When we write about money, we get it right. So the decisions you make with your dollars are also right. Kiplinger is a trusted provider of unbiased financial advice, objective business and economic forecasts, and practical help to millions of business professionals, investors, and individuals seeking to make more profitable decisions with their money. Our [flagship publications]( include [Kiplinger’s Personal Finance]( magazine, [The Kiplinger Letter]( [The Kiplinger Tax Letter]( [Kiplinger’s Retirement Report]( and [Kiplinger’s Investing for Income.]( All are regarded as the leading publications in their respective fields. Every day, millions of readers rely on our [free e-newsletters]( for help on everything from getting the best rate on a mortgage or car loan, to managing their businesses in an uncertain world, avoiding an IRS audit, building wealth for a secure retirement, or investing wisely in any kind of market. Now it’s your turn to reap all the rewards Kiplinger has to offer. Visit [Kiplinger.com](, your gateway to all of the above and much more. Check in any time for our latest advice on how to make more money, and keep more of the money you make. Stay right on the money, with Kiplinger. [Sign Up]( | [Print Publications]( | [Unsubscribe]( [Privacy Policy]( | [Cookies Policy]( | [Terms and Conditions]( CONTACT US: [FEEDBACK](concat('mailto:',$brief_feedback_email)) | [ADVERTISE]( Future US LLC © Full 7th Floor, 130 West 42nd Street, New York, NY, 10036