Congratulations on tying the knot and starting this exciting new chapter together!  Let’s talk insurance for newlyweds!

I know, who wants to talk insurance for newlyweds or soon-to-be newlyweds?  Listen, it’s important and I’m here to help get your home and auto insurance sorted.  When thinking about insurance for newlyweds, you’ve likely made some significant changes in your lives, including perhaps moving into a new home. With this change comes the need to protect your valuable asset through home insurance. In this article, we’ll explore the ins and outs of home auto insurance for newly married couples, helping you make informed decisions and safeguard your dreams.  It’s also important to understand inflation trends and how that affects your costs.

1. Assessing Your Home Insurance Needs

As you settle into your new life together, it’s crucial to evaluate your home insurance needs. When it comes to insuring your home, there are a few key considerations to keep in mind:

**Dwelling Coverage**: This covers the structure of your home itself, including the walls, roof, and foundation. Ensure your dwelling coverage is enough to rebuild your home in case of a total loss.

**Personal Property Coverage**: Protect your belongings, such as furniture, electronics, and clothing, against perils like theft, fire, or natural disasters. Take an inventory of your possessions to determine the appropriate coverage level.  This includes making sure that jewelry of yours is covered properly on a personal articles extension.

**Liability Coverage**: This protects you financially if someone is injured on your property or if you accidentally damage someone else’s property. As a newly married couple, it’s essential to have sufficient liability coverage to safeguard your assets and future earnings.

**Additional Living Expenses Coverage**: If your home becomes uninhabitable due to a covered event, this coverage will help with temporary living expenses while repairs are made.

2. Bundling Home and Auto Insurance

One of the most effective ways to save money on insurance is by bundling your home and auto policies. As newlyweds, you might be combining car insurance policies too. By bundling, you can often secure discounts from insurers, reducing your overall insurance costs.

Before committing to a bundled policy, it’s wise to compare the rates of individual home and auto insurance policies to ensure you’re getting the best deal. Work with a reputable insurance agent who can help you find the most suitable coverage at competitive rates.  When you bundle insurance, it also makes your experience in claims, billing, ease of life better!

3. Reviewing and Updating Policy Beneficiaries

Marriage brings new financial responsibilities, and it’s essential to update your insurance beneficiaries accordingly. Ensure that both spouses are named as primary beneficiaries on your life insurance policy. This way, if something were to happen to one of you, the surviving spouse would have the necessary financial protection to continue living well.

4. Understanding Policy Limits and Deductibles

When selecting a home insurance policy, it’s crucial to understand the policy limits and deductibles. Policy limits are the maximum amount an insurer will pay for a covered loss, while deductibles are the out-of-pocket expenses you agree to pay before insurance kicks in.

As your financial situation evolves with marriage, consider adjusting your policy limits to adequately protect your assets and lifestyle. A higher deductible can lower your premiums, but be sure you can comfortably afford it in case you need to make a claim.

5. Securing Discounts

Newly married couples might be eligible for various discounts from insurance providers. These discounts can include newlywed discounts, multi-policy discounts (for bundling home and auto insurance), security system discounts, and more. Speak with your insurance agent to explore all potential discounts and maximize your savings.

As you embark on this journey together as newlyweds, insurance for newlyweds and securing it properly is a crucial step in protecting your shared dreams and assets. Take the time to assess your needs, bundle policies when possible, update beneficiaries, and understand policy limits and deductibles. By being proactive about your home and auto insurance, you can look forward to a secure and prosperous future as a married couple.

Talk with your trusted independent insurance agent or if you do not have one, give us a call at 260.424.1555.

Jeremy Hyde | Colligan & Company

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About the Author: Jeremy Hyde

Christian, MK/PK, Brother, Husband of a magnificent wife, Father of three sons and two daughters, Insurance dork, Sports and Racing fan, Competitor, Coach, Early riser, Grill-man, Yearner of sand dunes and Lake Michigan, Owner of a Yorkie named Gerald, Wannabe basketball player, Reluctant handyman, Car enthusiast, Admirer of passion and excellence and design...

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