Planning a wedding requires quite a bit of time and effort. Amidst all the hard work and excitement, it’s easy to overlook something like insurance. However, once you’ve returned from the honeymoon and begin settling into your new life together, it’s important to review your coverage options carefully. Having the right auto and home insurance policies in place will help set you up for future financial stability as a couple. Here are some key considerations to keep in mind as you determine the best way to protect yourselves.

Auto Insurance

Newlyweds often go into a marriage with their own seperate auto insurance coverage, but combining policies can save you a great deal of money. Many providers offer multi-car discounts and will also reduce rates just for changing your single status to married. On the other hand, you may not want to bundle your policies if one spouse has a history of tickets or accidents on their driving record. This can raise the other spouse’s premium even if their driving record is clean.

Home Insurance

Couples who wait to move in together until they’re married will need to readjust their home insurance coverage to include all of their individual belongings, as well as the wedding gifts and new furniture that are bought together. In most cases, more personal property coverage is required to account for the correct replacement cost of these items. Certain high-valued assets, such as an engagement ring, artwork, and antiques, may exceed the policy limits and will need a special endorsement to ensure they’re protected for the proper amount.

For help figuring out your coverage needs as a newly married couple, turn to Cundiff & Company Insurance Inc. in Somerset, KY. They’ll guide you in exploring all of your auto and home insurance options to ensure you’re adequately protected and receiving the best value for your money. For more than 40 years, this independent agency has provided clients with high-quality products and competitive rates from several reputable carriers. Call (606) 679-8379 to request a free quote, or visit their website for more information on the services they offer.