COVERAGE FOR TWO: A NEWLYWED’S GUIDE TO INSURANCE

Getting married means merging more than just your lives—it also means sharing responsibilities, including your financial and insurance needs. While insurance may not be the most exciting part of wedding planning, it’s one of the smartest things to think through early on. Here’s what newlyweds should keep in mind when it comes to coverage.

BEFORE YOU SAY "I DO"

The engagement and wedding often come with new valuables—like rings or other jewelry—that may not be fully covered under a standard renters or homeowners policy. It’s a good time to review your current coverage or consider adding a personal articles policy to protect those items from loss or damage.

If you're planning a wedding or reception, you may also want to look into event insurance. It can help if something unexpected affects the venue, vendors, or other major pieces of your special day.

BUILDING A LIFE TOGETHER

Once you’re married, you might decide to combine policies, especially for things like auto and home insurance. Many couples choose to bundle coverage, which can simplify billing and sometimes lower premiums.

You’ll also want to think about how liability is shared now that you're legally linked. Joint policies can help both partners stay protected, especially when it comes to shared property or vehicles.

THINKING LONG-TERM

Life insurance often comes into the picture after marriage, especially if you’re thinking about children or future financial planning. A policy can provide financial support to your partner in the case of a death, covering things like mortgage payments, shared debts, or everyday expenses.

There are different types of policies—term, whole, and universal—each with different benefits depending on your goals and stage of life. At The Weiser Agency, we understand how marriage changes your insurance needs, and we're here to help you navigate those changes with clear guidance, personalized options, and practical support every step of the way.