June through September is the peak of wedding season in the United States. Every year 2.1 million couples tie the knot. That breaks down to nearly 6,000 weddings a day!
If you have a special day coming up in the near future, be sure you make all of the appropriate changes to your personal documents, property, and information, so your new bride or groom is represented. These changes also include your insurance.
So, to make it quick and easy here are some insurance tips for newlyweds. Some could even end up saving you some money.
- Combine Your Insurance
If you have separate cars with different insurance companies, you’re eligible for discounts by putting both vehicles on the same policy. It also ensures that both drivers are covered no matter which car they use.
PRO TIP: You can save even more by bundling your autos with your home or renters insurance.
- Check for a Marriage Discount
Inform your insurance company of your marriage – most auto and home insurance companies offer important discounts for newlyweds. Men under the age of 25 are usually considered high risk drivers. However, once they marry, they often see a big drop in insurance premiums. Lower rates can also apply to those in domestic partnerships.
- Increase Homeowner or Renters Coverage
Wedding presents are wonderful! You now have a new set of dishes, expensive new appliances, and other valuable items for your home. Don’t forget, these assets need to be covered. Talk to an insurance advisor to make sure you have enough coverage to protect all the things you own and to increase your liability protection. It’s also a great time to create an inventory of all the things you own to help you purchase the right insurance protection and make filing a claim much easier.
- Get Extra Protection for High-Value Items
That beautiful new wedding ring and special gifts like fine art or silverware may need scheduled personal property protection, often called a “floater,” to make sure they are covered for their full value. Most homeowners and renters policies will provide limited coverage for those items. Scheduled personal property coverage will also pay to replace a ring, without a deductible, even if it was misplaced or damaged in the disposal.
Just like marriage, California Casualty is a committed partner in helping with your auto and home insurance needs. One of our advisors can walk you through everything from combining your vehicles to completing a name change.
This article is furnished by California Casualty, providing auto and home insurance to educators, law enforcement officers, firefighters, and nurses. Get a quote at 1.866.704.8614 or www.calcas.com.
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