Make sure your new life together is well protected

As you prepare for your upcoming wedding festivities and a new life together, be sure and add insurance to your wedding checklist. This important step will help ensure that you're adequately protected for whatever bumps may lie ahead on your journey together.

If you rent property, it's important to have renters insurance to cover your belongings in case of fire, theft, catastrophic weather, etc., and it's usually reasonably priced. The value of your belongings adds up fast, especially when merging two households.

Check the limits of your homeowners or renters policy because, most likely, that diamond ring won't be fully covered with your other property. Your agent can help you determine if you should add an endorsement to your policy.

When combining your insurance policies, it's a good idea to get your autos and homeowners or renters insurance from the same company. Many insurance carriers give discounts for multiple policies.

Other considerations before you tie the knot include:

  • If you buy a house together, make sure your coverage limits are high enough and figure homeowners insurance into your monthly budget.
  • Consider purchasing an umbrella policy for additional liability coverage and more peace of mind.
  • Couples with step children should make sure children's belongings are covered in your policy if they reside with you at least part of the time.
  • Be aware that certain dog breeds make it difficult to find home or renters insurance because of the added liability.