Let’s Insure Hot Springs

You found your person. You’re sharing dinners, future plans, maybe even a Netflix password… but what about insurance? When two lives come together, your insurance needs change too — and knowing what to do next can save you money and protect what you’re building together.

Here are the key areas couples should look at when merging life and love.

1. Auto Insurance: Should You Combine?

Once you’re living together or sharing vehicles regularly, combining auto insurance is often a smart move. It can mean:

• One policy (less hassle)

• Multi-car discounts (more savings)

Just remember — your rate is based on both driving histories. If one of you drives like you’re auditioning for Fast & Furious, it may affect the premium. But in most cases, bundling is worth it and keeps things simple.

2. Engaged? Protect the Ring!

If there’s a ring involved, it deserves protection too. Engagement rings aren’t automatically covered unless added to a policy. You can insure it through:

• Renters or homeowners insurance

• A personal articles policy

You protected the relationship — now protect the rock!

3. Moving In Together: Renters or Home Insurance

When you share a home, your insurance should reflect that. Two common mistakes couples make:

• Assuming one person’s renters policy covers both

• Forgetting to add both names to a homeowners policy

If your name isn’t on the policy, your belongings may not be protected. Make it official on paper, just like it is in real life.

4. Health Insurance: Whose Plan Is Best?

Once married, you’ll have the option to join policies — but you don’t have to. Compare:

• Monthly cost

• Deductibles and co-pays

• Coverage for doctors and prescriptions

Sometimes staying on separate plans makes more sense. And remember: getting married is a “Qualifying Life Event,” which allows mid-year changes to health plans.

5. Life Insurance: The Most Important Conversation

Not the most romantic topic, but one of the most loving.

Life insurance helps ensure your partner can stay in the home, keep life stable, and maintain the future you are building — even if something unexpected happens. If you rely on each other financially, it’s time to talk coverage and beneficiaries.

Make It a Date Night (Yes, Really!)

Take 30 minutes together, grab dessert or a glass of wine, and review your policies as a couple:

• Are we covered correctly?

• Do we need to combine anything?

• Are our beneficiaries updated?

A quick conversation today can prevent stress later and bring peace of mind to your love story.

Ready to Review Your Coverage as a Couple?

If you want a simple, no-pressure “Couples Coverage Check-Up,” I’m here to help. In about 10 minutes, we can make sure your insurance fits your life and future together.