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Make a Vow to Protect What Matters to You
Your marital status can affect your insurance coverage, including your auto and homeowners policies. Make sure your coverage matches your needs as a new couple.

When you're thinking about marriage, insurance may not be one of the first things that come to mind. But if you're considering marriage, insurance is an important financial consideration.

If you're planning to get married or are a newlywed, it's a good time to reassess your coverage. In some cases, you may be able to save money on your policies. You also want to ensure that you're adequately covered so that you start your new life together as safely and securely as possible.

Review Your Auto Insurance

Getting married could help you save on your car insurance. For example, The Hartford offers multi-car discounts when you insure two or more private vehicles on your (or your spouse's) Hartford policy. Learn more about our auto insurance discounts. 

When you have joint assets, it's a good idea to take another look at your auto coverage limits. Your policy is designed to protect your assets (and finances) if you get involved in an accident. Make sure you have enough coverage to protect all of your assets. Our Coverage Guide can help you determine how much coverage is right for you.

If your marriage plans include moving, even if it's a local move, your car insurance rates could be affected. Shop around for the best prices. And don't forget to let your insurance company know your new address.

Protect Your Home & Belongings

If you're a newlywed or thinking of marriage, insurance that adequately covers your home or condominium is critical—it protects what is probably your greatest asset. Even if you rent, you want to ensure that your coverage protects your personal property.

For many couples, marriage means wedding presents. Protecting your household goods and personal possessions is as important as protecting your home itself. Don't overlook gifts and jewelry when you're determining how much coverage you need. Prepare a home inventory to help you make sure you don't miss anything.

Protect Your Loved One's Financial Stability

Along with love and commitment, marriage brings a new level of responsibility into your life. Another person is relying on you to be there emotionally and, quite likely, financially.

This is a good time to meet with a financial advisor and discuss starting a savings and investment strategy, including planning for retirement.  

A variety of expenses can burden loved ones in the event of lost life, including mortgage and other loans, child care and education. Without proper life insurance coverage, a major change in lifestyle or standard of living may be required to meet expenses. Life insurance can help ensure that a time of great emotional burden isn't compounded by a financial burden.

Use our online calculator to help determine how much life insurance coverage may be appropriate for you.  Also consider updating any existing life insurance policies with your spouse as the beneficiary.