The Norman Transcript


January 5, 2014

Insurance tips for couples that are newly engaged

NORMAN — Thinking about popping the question or know someone who just did?

Right now, we are in the midst of engagement season. About 39 percent of engagements take place between Thanksgiving and Valentine’s Day each year.

In the middle of dress shopping, tux fittings and cake tasting, you’ll want to take a look at your insurance options and understand how saying “I do” will affect your coverage.

Homeowners and renters’ insurance: The time surrounding a wedding is common for people to change living arrangements. Couples often choose whose place to move into or look for a new home to accommodate two occupants instead of one.

Remember, location, square footage of the home and construction type are factors in your insurance premium. Making changes to a house can change the home’s replacement value and its insurance needs, so talk to your agent if you will be renovating your existing home.

A life change such as a new marriage is a great time to update your home inventory or make one, if you haven’t already. Combining households will likely add belongings and change how much coverage you need in the event of a disaster or loss. Utilizing a free iPhone or Android app is a convenient way to get started or download a Home Inventory PDF.

Other big-ticket items to consider protecting are the engagement ring and wedding bands. Standard homeowners and renters policies include coverage for personal items such as jewelry but often limit the dollar amount for valuable possessions to $1,000 to $2,000. It’s best to consider purchasing additional coverage through a floater or an endorsement, which also will allow for lost jewelry.

Some companies also offer stand-alone policies to cover jewelry, giving the advantage of not having a claim on your homeowners policy should something happen to the ring(s). Don’t forget to add those items to your home inventory.

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