Getting Married or Engaged
Insurance For and After the "Big Day"
Congratulations on your engagement! What a fabulous time in your life. We hope you cherish every moment.
Your Wedding Day should be all about you and your new life together. So, to help you to avoid any unnecessary concerns, here are some things to consider...
If your wedding plans include a celebration at a restaurant, banquet hall or similar venue, it's important to check their insurance coverage. You will have a lot of guests and possibly some support staff on hand, so make sure they carry an adequate amount of liability insurance.
If you get married in your home, on the other hand, let your qualified Kirby Insurance Agency representative check your homeowner's policy for what will or won't be covered.
Our experts will also walk you through what's known as Special Event Coverage. You may be interested in these honeymoon and extra gift coverages.
We'll make sure you have a happy and worry free (regarding insurance, anyway) day!
Auto 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 more responsible (Although insurers don't exactly know why).
As a result, you'll begin to experience the world of insurance discounts. In fact, you could see as much as a 25% drop in your auto insurance bill when you marry and combine your vehicles onto one policy.
And that's not all! You might be able to snag multi-car, garaging, multi-policy and other discounts as well.
So, contact Kirby Insurance Agency. We'll help you not only get the best auto insurance coverage, 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 renter's policy, the value of your possessions is. And that value might have just increased. Protect it!
Consider a renter's policy from a reputable insurer. The following will be protected when you do:
- 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 homeowner's policy covers all of the above plus the home itself.
Whether you're a renter or homeowner, you just got married so you probably received some gifts!
Did you get a fine china set, crystal or some precious gems 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 a lot of valuable possessions, you should consider valuables coverage. This will broaden your protection. Plus, there is no deductible.
Consult with the experts at Kirby Insurance Agency to learn how to value your special possessions. We can also suggest when and how to add this coverage to your policy.
In fact, Kirby Insurance Agency knows how to tailor your homeowner's or renter's coverage to all aspects of your new situation. We can discuss available discounts for things like smoke detectors, burglar alarms and multiple policies.
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 homeowner's and auto policy.
Discuss this with your agent at Kirby Insurance Agency and we'll explain how umbrella coverage works. We'll help you decide if it's right for you!
Researching your new life insurance needs with Kirby Insurance Agency 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.
Six Factors - One Insurance Source
Insurance is an important part of your new life. So, you want Kirby Insurance Agency because we can provide the following benefits:
- Knowledge of all insurance coverages including life, homeowners, auto, umbrella, and more
- A consultative rather than a hard sell approach
- A strong local presence in the Maryland market
- Commitment to continuing insurance education
- Our pledge to insure all of our customers with the best coverages at the best value
Call 410-837-2320 today for your newly married insurance needs. We'll help protect you for life!