Insurance For and After the "Big Day"
Getting married is by far one of the most exciting days of one's life. Just as exciting are two people who are taking steps to figuring out the course of the new lives that they are creating. These steps will take careful planning to make sure that your new marriage starts off heading in the right direction. The professionals at Southern Insurance Group will set down with you after your big day to make sure you have the proper policies and coverage's to start your new life journey with your spouse. We say Congratulations on your engagement and wedding! What an awesome 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 or reception is at a facility like a banquet hall, restaurant, any other similar venue, nothing could be worse than somebody being hurt as a result of you serving food, beverages and entertainment for your happy day. people actually get hurt all the times at weddings from being drunk, slipping on food, and just doing these they normally don't do because it is a celebration.
I have seen and heard stories of people losing teeth, backing their back from falling off a table, to slipping on cake and tearing their ACL in their knee. if any of these events or injuries can be a result of your negligence you can be held liable for their injuries and pain and suffering. Does this happen a lot, you would be surprised in knowing that it happens more than you would think.
So what do you do to protect yourself from possible lawsuits coming your way from the above exposures happening? The answer is very simple, it is called special event coverage. This coverage is a liability policy that will cover you and your family for any negligent act that occurs as a result of your wedding and reception. Typically this will cover you just for the one day or as long as you need it if your celebration lasts longer than the one day. if any claims or suits arise as a result then this policy would defend you and pay out accordingly if the plaintiff were successful. I know that this is the last thing you want to think of is someone that you are inviting to your big day turning around and suing you but unfortunately it does occur.
If you get married in your home, on the other hand, let your qualified Southern Insurance Group 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!
Other Insurance Policies To Review After The Wedding
ClermontAuto Insurance for a Married Couple
When you go from a single driver on an auto policy to someone who is married then most auto insurance carriers will apply a discount for this event. Why you may ask? Auto insurance carriers view a married driver as someone who will display more mature driving habits then someone who is single. Of course this is not always the case but a single person will usually have more out of the ordinary usage on their vehicle then someone who is married. The marriage discount may be 5-10% depending on the carrier.
Another factor that comes into play when you are married is usually you are adding a spouses vehicle to your policy which the carrier will apply a multi-car discount. This discount may reduce the entire policy premium as much as 10%.
In addition, some companies will treat a single person under 25 as higher risk while two people under 25 that are married as a preferred rate. Once again it will depend upon the carrier so, contact Southern Insurance Group. 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.
Clermont Homeowners or Renters Insurance for the Newly Married
When you get married, unfortunately there are no discounts that you are entitled to when obtaining home or renter's insurance. You will on the other hand be given the opportunity to combine both yours and your spouses contents on one policy. Prior to getting married, if you are single but lived with your fiance you would technically have to have a policy for each of you to cover one's contents. Once married this not longer applies and you can combine everything on one policy.
Securing a homeowners or renters policy will also protect you for the following points below:
- Loss of use- if your home or apartment is damaged due to a covered peril this coverage will provide money for relocation expenses until your residence is repaired.
- Liability-defends you in the event of a negligent act.
- Medical payments-if you have a guest on your property that is injured this will provide coverage for that persons injury. This coverage does not apply to the policyholder's injuries.
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 Southern Insurance Group to learn how to value your special possessions. We can also suggest when and how to add this coverage to your policy.
In fact, Southern Insurance Group 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 Southern Insurance Group 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 Southern Insurance Group 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 Southern Insurance Group because we can provide the 6 following benefits:
- Knowledge of all insurance coverages including life, homeowners, auto, umbrella, and more
- A consultative rather than a hard sell approach
- Access to the most reputable insurance companies in the market today
- A strong local presence in the Florida market
- Commitment to continuing insurance education
- Our pledge to insure all of our customers with the best coverages at the best value
Call 352-243-9000 today for your newly married insurance needs. We'll help protect you for life!