February is all about love.  In fact, it is estimated that as many as 4 million people will get engaged on Valentine’s Day! That’s a crazy statistic!

And with all of that love and wedding planning in the air, it can be hard to think about the boring parts of a marriage. No, not the wedding planning, the parts that come after that…you know the things that come with being a Mr. & Mrs.

So I want to make it easy for you.  Here are a few things you need to think about in regards to your insurance policies when you tie the knot. 

1.    Combine your auto insurance policies.  If you both own a vehicle, the easiest thing to do is combine your policies by adding your spouse and their vehicle to your policy.  We can take care of this in just a few minutes! I don’t suggest doing this beforehand. There is really not as much of a discount besides multi-car and it can get sticky in the end if things don’t work out as boyfriend and girlfriend. Wait until you are married or are serious partners.

2.    Make sure you and your spouse are listed on every policy.  You both need to be on the homeowners or renters insurance so you can get assistance if needed.  As far as liability is concerned this is mega important. You want to both be covered besides just being able to pay the bills or get a question answered. Do all of them at the same time and you won’t have to worry about it again.

3.    Schedule an overall review.  When you combine two households you will obviously have more belongings!  Speak with your agent and verify that you have enough content and liability insurance to cover any new assets. This includes jewelry if you haven’t already scheduled this.

4.    Purchase life insurance.  It’s your honeymoon and you don’t want to think about death, but now is the time to get this very important coverage in place.  It doesn’t cost much and will give you peace of mind that the person you love will be taken care of in the future.  It’s really the very best gift you can give to those you love.  Plus if you do it while you are young, it is a lot less expensive. Have a policy already? Schedule a review so we can be sure that your spouse is listed as a beneficiary.

The best part of this?  It doesn’t have to be hard!  In fact, one short appointment can take care of every item on the list.  Give us a call today to schedule a review with one of our agents.  We do all of the heavy lifting for you! At the Bryan Insurance Agency, we specialize in combining policies for newlyweds. We are your go to agent for car insurance, home insurance, and life insurance in New York, the Hudson Valley, New Windsor, and Long Island. Call us today at 888-565-2212 or visit us online.

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