The cake is gone, the vows are sealed, and the last of the can koozies have been claimed. Now comes the happily ever after, but before you dive in, there are a few practical steps to protect your shared future. Marriage changes more than your last name, it impacts your finances, living situation, and insurance needs.
Here’s your newlywed insurance checklist to keep life running smoothly:
1. Handle Name Changes
If you or your spouse is changing your last name, start with the Social Security office. Once your new card arrives, update your driver’s license, banking, and insurance documents for consistency.
2. Update Your Insurance Policies
Notify your agent of any name or address changes to prevent delays or claim issues later.
3. Combine Auto Insurance
Merging policies often earns you multi-car and marriage discounts, simplifies billing, and ensures coverage regardless of who’s driving.
4. Revisit Home or Renters Insurance
Moving in together or just rearranging for wedding gifts? Add your spouse to your policy, update coverage limits, and schedule high-value items like rings.
5. Review Health Insurance
Marriage is a qualifying life event, compare employer plans, add your spouse as a dependent, or choose a new plan that fits your needs.
6. Strengthen Life Insurance
With someone depending on you, review or add coverage and update beneficiaries.
7. Adjust Liability Coverage
Combined assets mean higher stakes. Increase limits or consider umbrella coverage for extra protection.
Marriage is a new chapter, make sure your insurance story keeps up. Harmoning Agency can help you combine, update, and review your policies so you can enjoy married life with peace of mind.