Monday, June 18, 2007

It's Time To Tie The Knot! But What Kind of Insurance Do You Need?

The ring is on her finger, plans are being made, and the time to tie the knot is approaching - and though most engaged couples focus mainly on their big day, they should also be taking a look at their current insurance policies to be sure their possessions, as well as their soon-to-be spouse, are taken care of. suggests engaged couples review their health, life and homeowners insurances before they hit the honeymoon-so there's smooth sailing on their road to life together when they return.

Health Insurance

When it comes to health insurance, married couples tend to have less expensive insurance policies than individuals. With that being said, compare your policies and see if there is a difference in monthly premiums, deductibles, co-payments, and any other additional features you may have. In doing so, you can see which health insurance plan is more cost-effective, offers you more for your money, or may offer better features, such as dental and vision.

It is more difficult for unmarried couples to get coverage if one is uninsured, because many employer health insurance plans don't offer domestic partner coverage. The plans that do have that coverage are considered taxable income, so it may be more affordable to purchase separate health insurance plans at that point.

Life Insurance

When you're married, the most important thing to you is your family, and you will want to be sure they are protected in the event of your death. That is why it is important to discuss life insurance with your soon-to-be spouse. If either of you already has a life insurance plan, you will want to review it and possibly change who the beneficiary is and how much coverage you have. In essence, you will want to hope for the best but prepare for the worst-and in doing so, you are ensuring that your spouse and family doesn't lose a stream of income if one of you dies.

Homeowners Insurance

When you're married, both of your property is covered under your homeowners insurance policy, but before you're married, this may not be the case. It is important to discuss this with your homeowners insurance agent to see if you can get your coverage extended for both of you. Also, if you are living in an apartment, you will want to check your renters insurance to make sure you have adequate liability coverage.

To start your happily ever after right way, log on to and apply for a homeowners or renters insurance quote. Here you will be able to evaluate multiple rates from best-in-class homeowners and renters insurance providers - helping you find the best homeowners insurance coverage for yourself, as well as your spouse-to-be. You can also find great life insurance rates at, too.

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