The Norman Transcript

Features

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.

Text Only | Photo Reprints
Features
  • How to curtail child’s sassiness behavior

    Q: The “sassiness” that I have heard so much about from my friends started a few months ago with my 5-year-old daughter. She will say things to me that I actually find myself tongue-tied on how or what to say to correct her. Sometimes, ...

    July 11, 2014

  • Iris sale set Saturday

    The Norman Area Iris Society will host a sale at 8 a.m. Saturday at the Cleveland County Fairgrounds in Norman....

    July 10, 2014

  • Massage therapy helpful for dogs

    Dear Dr. Fox: I want to share with you a story about how your book has changed the lives of my dogs and friends, as well. A few years ago, I became certified in animal massage. I wanted to help people. What I found was that vets ...

    July 10, 2014

  • Veterans Corner starts new tradition

    One of the most difficult jobs I have is trying to decide on the volunteer of the week. For those of you who have been to Goldsby on a Thursday morning and seen the activity that resembles a bee hive, it is hard to decide who is the ...

    July 9, 2014

  • Ergonomic tools can ease residents’ gardening pains

    Dear Savvy Senior, Can you recommend some good ergonomic gardening gear for seniors? My 72-year-old mother loves to work in the garden but has been plagued by various gardening injuries this year....

    July 8, 2014

  • Senior menus

    The Cleveland County Aging Services Program, sponsored by the Areawide Aging Agency, announced meals for next week....

    July 8, 2014

  • Stash owner says ‘Cita’ needs a forever home

    When you look into the eyes of this pit bull, bird dog mix, you realize one of two things. First, you think you must have the tastiest feet in town since this big ball of love and energy can’t stop licking your toes. And, second, you ...

    July 6, 2014

  • Family awarded for foster parenting

    OKLAHOMA CITY— The Oklahoma Department of Human Services Developmental Disabilities Services (DDS) hosted its 28th Governor’s Conference on Developmental Disabilities recently in Norman. During the awards ceremony, DHS recognized DDS ...

    July 6, 2014

  • Book signings

    · Norman author Kris Newlin will sign copies of her book “Silly Sweet Dreams” from 1 to 3 p.m. Saturday at Hastings Books, 2300 W. Main St....

    July 6, 2014

  • Hobson selected to study abroad

    The U.S. Department of State has awarded Sarah Hobson, a Norman High School sophomore, one of 65 scholarships to study abroad on the Kennedy-Lugar Youth Exchange and Study (YES) Abroad program. Hobson is the only scholarship recipient ...

    July 6, 2014