What you need to know about insurance if you’re getting married

There are some changes that could happen to your insurance situation when you get married.

If you’re tying the knot, there are a few things you’ll need to know about insurance…you know, besides covering the big rock on your finger. So, let’s talk about insurance when you get married.

Renters & home insurance

For your home insurance or renters insurance, make sure you have a high enough coverage limit and a home inventory (yes, even if you’re renting). Your insurance can’t cover what they don’t know you have. You may also want to consider bundling your home and auto insurance to see if you could save money.

Have questions? Chat with us now.

Car insurance if you’re getting married

Fun fact: If you’re under 30, you can actually save about 21 percent on your car insurance when you get married. The reason? Carriers think married people are more responsible than single people. (Hey, we don’t make the rules. We just tell you about them.) You might get lower rates if you marry over 30, but it won’t be as much.

Plus, you may be able to get a multi-car discount if you choose to have both of your cars on the same policy when you get married. (And like we said, you may be able to save money if you bundle your home and auto insurance, but again, we understand if someone’s record makes it cheaper not to.)

Health insurance

It’s the same for health insurance. You could add your partner to your existing health plan, in which case, you need to know that:

  1. You’re considered a family when you get married, even if you don’t have kids
  2. Getting married counts as a “life event.” So, you don’t have to wait until the next year to change your coverage.

Or you can have different policies. Your partner may have different health needs. So, it would make more sense to keep your policies (and your premiums) customized and separate.

Adulting is hard. Get insurance quotes live in chat.

There are a lot of decisions you’ll have to make when you get married, but our experts can help you out with all of them, whether it’s home insurance, renters insurance, or auto insurance. Just give us a buzz!

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