LIFE STAGE: NEWLYWEDS

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Auto Insurance

When you consider combining your auto policies, you need to consider your spouse’s driving record. In addition to the type of vehicles, a poor driving record can increase the cost of your premium. If a poor driving record is involved, you can discuss a named driver exclusion with us.

Discounts: combine your auto and home, condo or renter policies to get the largest discount.

Home Insurance

When you are preparing to move into your new home, don’t cancel your policy on any vacant home you own. Talk with us first about maintaining proper coverage for an appropriate period of time. A vacant home has a higher level of risk (fire, water pipes bursting) with no one around the house every day. These repairs can be costly without proper coverage.

Combining households means you are combining belongings. We suggest making a home inventory of all of your belongings to determine how much insurance coverage you’ll need for your possessions.

Also, high value items like jewelry and collectibles may need a personal property rider or supplemental coverage in addition to your homeowner’s policy.

Health Insurance

If both of you are not on a group health insurance plan, then you need to consider enrolling in a Family health plan. We help people do this on or off the Maryland Health Exchange. Eligibility and enrollment timeframes come into play when enrolling during a Limited Enrollment Period.

If you've purchased a Maryland health insurance plan through an employer, you are allowed to add your spouse to your plan outside of the open enrollment period, as marriage is considered a major life event. Contact your company’s benefits administrator to find out what you need to do.

If you are between employer group plans and need temporary health coverage, you can consider a Short Term health plan (aka Catastrophic Coverage health plans; these are not ACA compliant) but can provide a level of temporary coverage.

 

Life Insurance

Life insurance provides income for your dependents—children and possibly a spouse—if you die. You may have policies through your employer; if you do, make sure your beneficiaries are up-to-date.
We have always suggested each spouse purchase a policy. Whether or not one is employed, the surviving spouse will need to take on the responsibilities and expenses of the household.

Take the time to estimate your total household costs carefully, including costs of raising children, children’s education costs, large debts, future income,
Before choosing a policy, research the differences between Term and Permanent (Whole Life) policy types.

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