If you tied the knot this summer, congratulations! Marriage changes things forever, including your insurance needs. If you’re a newlywed, ensure you consider these issues now for a happily-ever-after future.
Multiple policies: As you combine your households, do the same for your insurance coverage. Most couples have separate policies, often with different companies. Combine multiple auto and home policies with one carrier to receive a multiline discount. It’s likely you’ll also qualify for a discount simply because you’re married. (It turns out marital bliss isn’t the only benefit to getting hitched.)
New home: Whether you’re moving into his place or her place or buying a new home together, now is a good time to review your homeowners coverage. A new location may mean new perils. Consult with your agent to make sure you include coverage for location-specific perils, such as hurricanes. Also important: discuss with your spouse whether you want replacement cost or actual cash value coverage.
Spouse discounts: Is your newly beloved a member of an alumni or another organization? If so, your household may now be eligible for a discount. Check with your agent to discover any savings available.
Summer is ending, and the season change is a good time to review key items on or around your commercial property. Keeping tabs on these items each fall will help you avoid claims year-round. For healthy maintenance of your property, don’t head into storm season without checking:
The roof. Summer storms often cause roof damage. If it’s minor, it can go unnoticed – for now. But if missed, that minor damage can become a large problem over the winter. Take the opportunity to stop trouble before it starts. Give your roof a thorough inspection for potential problems down the road, then take care of any issues right now.
The HVAC system. Regardless of your heating needs, fall is a good time to check your HVAC system. In warmer climates, your AC probably had a good workout this past summer; it’s wise to ensure your system is still going strong as you end the season. For those in chillier regions, a professional tune-up will ensure you’re ready for the coming winter.
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