How long do I have to add my spouse to my health insurance after the wedding?

Marriage is a qualifying life event that gives you a 30-day special enrollment period to add your spouse to your health insurance. Miss that window and you may have to wait until open enrollment.

Will combining auto policies always save money?

Usually, but not always. If one spouse has a poor driving record, accidents, or DUIs, combining policies can actually raise the other spouse's rate. We run the numbers both ways before recommending a change.

My engagement ring is worth $12,000. Is it covered under my renters policy?

Standard renters policies cap jewelry coverage at $1,000-$2,500. A $12,000 ring needs a scheduled personal property endorsement. The cost is typically $120-$240/year for full coverage including mysterious disappearance.

We are buying a home together. Do we need a new homeowners policy?

Yes. You need a new homeowners policy in both names. If one of you already has a homeowners policy, it needs to be rewritten to include both names and updated to reflect the combined value of your belongings.

Getting Married? Here Is What to Do With Your Insurance.

Marriage is a qualifying life event that lets you update your policies outside of open enrollment. Done right, combining policies saves money. Done wrong, you end up with gaps.

Review My Coverage (719) 591-2036

Your Post-Wedding Insurance Timeline

Before the Wedding

Insure the ring

An engagement ring is typically worth $5,000-$15,000. Standard homeowners and renters policies cap jewelry coverage at $1,000-$2,500. A scheduled personal property endorsement covers the full appraised value for about $1-$2 per $100 of value per year.

Within 30 Days

Combine auto policies

Combining two auto policies onto one multi-car policy typically saves 10-25%. The savings are largest when both drivers have clean records. If one spouse has a poor driving record, it may be cheaper to keep separate policies — we will run the numbers.

Within 30 Days

Update homeowners or renters policy

If you are moving in together, one of you needs to cancel your policy and be added to the other's. If you are buying a home together, you need a new homeowners policy. Make sure the coverage limits reflect the combined value of both households' belongings.

Within 30 Days

Update beneficiaries

Update beneficiaries on life insurance, 401(k), IRA, and any other accounts. This is one of the most commonly forgotten steps after a wedding.

Within 60 Days

Review life insurance

If neither of you has life insurance, now is the time. If one of you has it, check whether the coverage amount is still adequate for a two-income household with shared financial obligations.

Insuring Your Engagement Ring

A scheduled personal property endorsement (also called a floater) covers your ring for its full appraised value — loss, theft, mysterious disappearance, and accidental damage. It typically costs $1-$2 per $100 of value per year. A $10,000 ring costs about $100-$200/year to insure properly. Get an appraisal within 30 days of purchase.

Get a written appraisal from a certified jeweler

Add a scheduled personal property endorsement to your policy

Update the appraisal every 3-5 years as values change

Name Change on Policies

If you are changing your name, update it on all insurance policies — auto, homeowners, life, health. A name mismatch between your ID and your policy can complicate a claim. We handle the updates across all your policies in one call.

Newlywed Insurance Checklist

Insure the engagement ring before the wedding

Combine auto policies onto one multi-car policy

Update homeowners or renters policy to cover both households

Update beneficiaries on life insurance, 401(k), and IRA

Review life insurance coverage amounts

Update name on all policies if changing your name

Add spouse to health insurance within 30 days of wedding

Common Questions

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Getting married

Combining households and assets

Drop your name and email. We will reach out when it matters — no spam, no pressure.

Just Got Engaged or Married? Let Us Review Your Coverage.

One call can save you money and close the gaps most newlyweds miss. Call (719) 591-2036 or get a quote online.

Review My Coverage (719) 591-2036