Getting Married Or Engaged
Insurance for Before Your Wedding
Congratulations on your engagement! It is exciting to think about all the wonderful times you and your future spouse have in front of you. Start you lives together off right by ensuring the symbol of your commitment to each other, the engagement and wedding rings, are something you will be able to cherish forever. This can be done very easily by ensuring the rings are covered correctly on an insurance policy.
"But I never take my rings off, so why would I need to insure it?" This is a common statement the risk control specialists hear at HPM Insurance in Milford. Though this may be true, the biggest cause of loss that the staff at HPM Insurance sees with jewelry is not loss of the entire ring, but rather a stone falling out of the ring. If the ring is not scheduled (separately insured) on a homeowners insurance or tenant's policy, there would not be any coverage for such a loss.
There are numerous other benefits for scheduling your rings and jewelry that are highlighted in the HPM blog called " What if the Only Thing in Your Jewelry Box Were Your Tears?" Please read this informative blog for more information, or feel free to email the helpful and knowledgeable staff at HPM Insurance.
Insurance for Your Wedding Day
Your wedding day should be all about celebrating the two of you. You have not only invested in each other emotionally, you have also committed financially to the big day itself. Though you may not want to think about it, a lot can go wrong given the number of parties involved in a wedding.
- What would you do if the venue you chose for your wedding experiences a major fire a month before your big day?
- What if the bridal shop that was holding our dress goes out of business?
- What if there is a hurricane or blizzard forces you to postpone your wedding?
- What if the bride or groom is unexpectedly called up for active duty or his or her military leave is revoked?
These are just a few examples of what can throw a wedding off track, but the financial impact of such an event can be covered by wedding insurance offered through HPM Insurance.
Please contact the HPM Insurance wedding expert, Monica Clearwater, for information and a free, no obligation quote on NH wedding insurance.
Insurance after Your Wedding Day
Now that the party is over, it is back to reality. The good news is that there are many financial benefits to being married in regards to your insurance. Here are just a few things to consider.
Car Insurance for a Married Couple
When you awaken as a married couple, you'll feel good but maybe not all that different. But in the minds of your insurance company you're seen as new and improved people.
Insurance company data shows married people are statistically more responsible.
As a result, you may begin to experience new insurance discounts. In fact, you could see as much as a 25% drop in your car insurance bill when you marry and combine both of your vehicles onto one policy.
And that's not all! You may also be able to lower your premium with a different garaging address, multi-policy credits as well as a marriage credit. Not all companies offer the same discounts, so it is important you call your HPM Insurance professional and we'll make sure you get the absolute best value you have coming to you and your spouse.
Renters Insurance & Homeowners Insurance for the Newly Married
While marital status is generally not used for pricing a renters insurance policy, the value of your possessions is. Be sure you have considered all you both own; in addition to all the presents you may have just received on your wedding day. You will also want to add your spouse as a named insured to ensure proper coverage for both of you now that you are legally one entity.
If you move upon getting married and have a renters policy, you must notify your insurance agent as policies can be location specific.
If you do not have a renters or tenants insurance policy consider one as they are less expensive than you think. The following can be protected when you have tenant insurance:
- All of your possessions up to the policy limit (subject to a deductible)
- Your liability in case your actions cause injury to someone else or their property
A homeowners policy covers all of the above plus the home itself.
Contact HPM Insurance for a free, no-obligation quote.
Insuring Jewelry, China and Antiques - Oh My!
Whether you are a renter or homeowner, if you just got married you probably received some gifts!
Did you get a fine china set, crystal or some precious jewelry for wedding presents? Did your aunt give you an antique on your big day? How about your engagement ring and wedding bands (The average wedding ring is $6,000)?
If you have valuable possessions, you should consider valuables coverage. This means scheduling or individually listing items on your insurance policy with the values. This coverage can broaden your protection, plus eliminate a deductible. For more information about valuables coverage or scheduling, please see the HPM blog Insuring Jewelry, Guns & Special Collections.
For more details about your specific situation and valuable items, please contact HPM Insurance.
Protect Yourself with Umbrella Insurance
Newly married or not, in this litigious society you can still be held liable for a large settlement in a wide variety of unexpected situations. This could put the financial footing of your marriage at risk before you even get started.
An umbrella policy adds an extra layer of protection over and above your homeowners and auto policy.
Discuss this with your agent at HPM Insurance and we'll explain how umbrella insurance coverage works. We'll help you decide if it's right for you!
Researching your new life insurance needs with HPM Insurance is very important at this phase in your life. We can help you sort out all of the options (which are many) and get you in the best life insurance situation for you, your new spouse and your family.
Health Insurance can be confusing. If you have changed your marital status, you may also want to look into changing your health insurance plan to ensure you and your spouse are not over paying. Contact the health insurance experts at HPM Insurance for sound advice on your health insurance.
Six Factors - One Insurance Source
Insurance is an important part of your new life. So, you want HPM Insurance because we can provide the 6 following benefits:
- Knowledge of all insurance coverages including life, health, commercial, homeowners, auto, umbrella, jewelry and other valuables
- A consultative rather than a hard sell approach
- Access to the most reputable insurance companies in the market today
- A strong local presence in New Hampshire
- Commitment to our staff that they have access to continuing insurance education
- Our pledge to insure all of our customers with the best coverages at the best value
- A one-stop insurance shop to meet all of your insurance needs
Call 800-696-1209 today for your newly married insurance needs. We'll help protect you for life!