Florissant, Missouri
3327 N Hwy 67
Florissant, MO 63033
(314) 921-7900
The Zach Plackemeier State Farm Insurance Agency office opened in 2016 across from the new Wal-Mart on Hwy 67 to serve customers in Florissant and Saint Charles, MO as well as surrounding St. Louis County with all their Insurance and Financial Service needs. Zach was born and raised in Saint Charles, MO. He played division 1 basketball in college for Indiana-Purdue Fort Wayne. He enjoys being active in the community and is a member of the North County Chamber of Commerce. Zach is a State Farm Chairman Circle agent which represents the top 3% of agents across the nation. Zach and his team are here to help with Auto Insurance, Commercial Auto Insurance, Home Insurance, Renters Insurance, Life Insurance, and more. Contact them today to see how they can help you and your family.

3 Types of Insurance Newlyweds Can Combine November 13, 2018

Florissant, St. Louis, MO
3 Types of Insurance Newlyweds Can Combine , Florissant, Missouri

Getting married is one of life’s biggest milestones, and with this joyous event, you can expect a number of things to change, including your insurance needs. Though it might not be the first thing you think of doing after your wedding day, it’s a good idea for you and your new spouse to review your current coverage plans as soon as possible. There may be several opportunities to join your policies and save money. Here are a few types of insurance newlyweds commonly combine. 

3 Insurance Policies to Consider Consolidating After Marriage

1. Renters or Homeowners Insurance 

If you and your spouse lived separately before getting married and each had your own renters or homeowners insurance policies, consider using one policy to cover both of you. Once you move in together, you should both be covered under the policy you decide to keep. However, you will need to adjust the personal property coverage to ensure the limits are sufficient for all the extra belongings added to the household.

2. Auto Insurance 

insuranceAs long as you and your spouse both have clean driving records and no recent gaps in coverage, combining your auto insurance policies can provide substantial savings. The majority of insurance companies will offer a reduced premium for having multiple vehicles on one policy. This will also help to streamline your expenses and simplify the process of paying bills. Bundling your car insurance with a renters or homeowners policy from the same provider can award you with an even bigger discount.

3. Health Insurance 

After joining households, many couples decide to merge their healthcare plans. Getting married is considered a qualifying life event that will allow you access to a special enrollment period. You may only have 30 to 60 days to make a decision, so act quickly and check with your insurance company to make sure you decide within the enrollment window. This can make health insurance less expensive, and it may be easier to reach your deductible faster, but there may be advantages to maintaining separate policies based on your coverage options. 


In many situations, it makes sense for married couples to consolidate their insurance policies. If you need help determining if this is the right move for you and your spouse to make, contact Zach Plackemeier State Farm® Insurance Agency and his team in Florissant, MO. They can assist St. Louis-area couples in exploring which coverage options most suitably fit your needs and budget, and you can depend on them to provide you with quality coverage solutions from one of the most reputable insurers in the industry. Call (314) 921-7900 to schedule an appointment, or visit them online to request a quote.