Insurance for newlyweds: Coupling your coverage

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Now that you’ve “jumped the broom” on the first day of the rest of your lives together, you and your spouse must get to work on the financial factors of marital bliss. An important part of that is having the right insurance for newlyweds.

“When you are getting married, in essence, you’re combining everything you have,” notes Loretta Worters, a spokeswoman for trade group the Insurance Information Institute.

What better time to discuss the nitty-gritty of protecting your family than when you’re sporting shiny new rings, raking in the gifts and decorating your new digs?

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Still, there is a disconnect between what the newly married acknowledge they should be discussing about insurance and what they actually talk about, according to a survey by the National Association of Insurance Commissioners, or NAIC.

Evaluating your insurance needs early on as a couple shouldn’t be taken lightly, says Jim Hyatt, vice president of personal lines at Arbella Insurance Group in Boston.

“You’ve got to think of it as you’re protecting your assets, and you’re protecting your income,” he says.

Read on to learn about insurance for newlyweds: the six types of policies couples should consider carrying.