Newlywed Insurance Guide + $50 Home Depot Giveaway!

When J and I got married, we decided to merge it all — bank accounts, credit cards, where we lived, even our last names (well, I took his last name, we didn’t really merge them together… that would be an awkward last name). It is such a long arduous process weeding through all of the legal documents and personal accounts to merge your life together.

Two years later and we are still navigating through it all, one area being insurance. We’ve got auto and home insurance taken care of, and have our own health care insurance through our jobs (thank goodness), but have yet to get life insurance. It’s on our list of things to take care of in 2014, along with writing a will. :)

The National Association of Insurance Commissioners (NAIC) shared with me a newlywed insurance guide and I thought it may be helpful for some who are about to get married or have been dragging their feet on taking care of insurance items (like me). They are also giving away a $50 Home Depot gift card at the end of this post!


Sidenote: What year do you stop being a newlywed? After one year? Five years? I’m losing track of how long we’ve been married. A few months ago I told someone we’ve been married for three years (nope) and then at a party last week I said I had been married a year and a half (not true)! What’s wrong with me.


Now for the fun part. NAIC is awarding one lucky winner a $50 giftcard to Home Depot. All you have to do is leave a comment to enter, but there are more options if you want to enter more than once. I will announce the winner next Thursday (Dec 19th).

a Rafflecopter giveaway

What would you buy if you won the giftcard?
I have so projects on my house to do list, I wouldn’t know where to begin! J made me promise not to do any big projects until 2014 (after all the work we did the first three weeks)… but y’all 2014 is coming!! :)

  • Lisa Brown

    I found that 24% of married millenials purchased their first home together before they were married, was interesting.

  • Caitlin Donohue

    I didn’t know that Saturday was considered an unlucky day to marry. And I’d say that you’re a newlywed for the first year.

  • Vicki Dunbar

    These facts are pretty interesting. Wish I knew these when I was newly married. Though since I have divorced, and am not planning on getting married, I will keep this in mind for my friends’ kids that plan to marry soon.

  • JessieC

    learned about the the NAIC’s free app and have it downloaded to the phone.

  • Leslie Phillips

    this is so neat. thanks for posting!

  • Elena

    I found it interesting that 24% of married millenials purchased their first home together before they were married

  • Sheri

    Eek! Saturday is an unlucky day? Maybe we need to consider adjusting our September date! LOL I hope we win *crossing fingers8

  • Ashley H

    I learned Saturday is an unlucky day to get married.

  • Lisa

    I was impressed that 84% said it was important to share health information! That’s good!

  • CrystalLC

    One of the best tips that I’ve heard is to negotiate! Even on insurance.

  • Wills are so important! I am an estate planning attorney and it is amazing how many people don’t have one! A super basic will with power of attorneys and health care directives can be pretty affordable. And once you get over the icky-ness of spending a lot of time thinking about when you die and who dies first and what happens if all the people you like die (seriously, one of the worst aspects of my job), it’s not so bad. You get a few pieces of paper with all of the directions and you don’t have to think about it again for a long long time!

  • Melanie

    I thought it was interesting that couples discuss so much before getting married! Maybe Steve and I were just so young and irresponsible! : ) – what valuable information that your blog provides! I enjoy reading it! Thanks for a chance at the giveaway- with our move back to Florida, a Home Depot gift card would come in handy!

  • Tina

    suprised that Florida is such a wedding hot spot!

  • I like the tip to consider future income potential to determine how much insurance coverage is necessary.

  • Holly B

    I was surprised that so many purchased homes together before they were married.

  • Dorothy Clement

    So glad you are talking about those not so fun “items” of importance in 2014; sure could use that Home Depot Gift card!

  • Vunda V

    not many couples discuss insurance before getting married!

  • Ashley C

    I found it surprising that 73% of couples didn’t talk about health insurance!


  • Some of those statistics surprise me. Like, 24% of married millennials purchase a house prior to being married? Seriously? Where did they get all that money?

  • Marie

    Oh boy, we have so many house projects! We would use this gift card to buy some paint. Our whole house is the same bland shade of beige and really cheap paint. We can’t wait to slowly re-paint it all!

    I think you are a newlywed at least for the first 5 years.

  • Holly S

    I was surprised that the number of millenials that bought a house together before marriage wasn’t higher.

  • Solducky

    I wasn’t aware you had to proactively change beneficiaries!

  • Celeste

    Interesting that 17 tons of gold are melted down annually for wedding rings.

  • Chrissy

    I am surprised how many couples purchase their home before they are married!

  • Jay

    I was surprised by how many couples buy a house before getting married.

  • Alaine

    I learned that 24% of people bought houses together before they got married.

  • jenmalonee

    I learned to really make sure the location of your house to be is a good one!

  • Shelley

    I learned that a renovation investment of $5,000 or more can change a home’s replacement value.

  • Kathy V

    I can’t believe that 73% of couples didn’t talk about health insurance!

  • Whyhello Stranger

    I’m working on buying my first home and will keep in mind how $5000 in renovations can change my insurance value

  • shannon

    A renovation of over $5000 can change insurance needs, that applies to us!

  • Tabathia

    That 84% of engaged & married couples aged 18-24 said it was imp to share preexisting health conditions before marriage

  • Stephanie Gossett

    Location, Location, Location! That is really important! Thank you for this chance!

    ninigossett at gmail dot com

  • Jo Sue

    I was surprised at the percentage of millenials who bought homes before their marriage

  • dianne hall

    Location is the most important! Need to remember this :)

  • Kenny H.

    The health insurance fact surprised me. I would think more would discuss health insurance!

  • Nicki Joseph

    I would think all couples would talk about a pre-existing health condition before getting married, but apparently not.

  • ellen ross

    i didnt realize that many ppl lived together before marriage

  • Meghan Finley

    I’m surprised at the amount of people who bought homes together before they were married

  • Nikki

    I’m surprised there weren’t more people who bought homes together before marriage.

  • Abby K

    I was actually surprised that not everyone does live together before they are married – I don’t know anyone who didn’t in our generation!

  • Calli

    The possibly that my boyfriend and I might end up purchasing a house together before we are married is more likely.

  • 1froglegs

    The tip about 24% of couples buying a home together before they got married is surprising. That could make for a really messy breakup.

  • AmandaSakovitz

    I think the future income tip consideration was very helpful!

  • Courtnie

    61% of couples age 18-24 said they talked about combining auto policies before marrying

  • Jordan

    I’m surprised how many millennials are purchasing homes prior to marriage.

  • Thomas Murphy

    I was surprised 24% of couples bought a home together before they got married

  • manda

    The percent of people who actually talk about insurance.

  • rlk

    The tip about who’s health insurance to keep after the wedding is helpful to think about.

    If I won the Home Depot gift card, I’d give it to my fiance to use to his heart’s content. :)

  • MaryAnn

    I was shocked at the amount of couples that buy a home before getting married.

  • Melanie

    New reader here. I’ve spent so much time at Home Depot over the past year. It makes my inner feminist happy.

  • D Schmidt

    I found the part about named driver exclusions interesting!

  • HufflePup

    I’m surprised that (not that I should be) more people don’t discuss life insurance before getting married. Too morbid, perhaps?

  • Janet Watson

    One fact I found interesting is that less than 73% of marrying couples addressed the topic of whose health insurance to keep.

  • April G

    I found it interesting that so many married millenials bought their first home before being married (I am one of them)!