Insurance ‘I Do’s’

Just married? Don’t forget these essential insurance updates.

Published July 23, 2026

Marriage shifts everything in your life — your home, responsibilities, finances, and future. Your shared insurance coverage should reflect your new life together. Here are a few key insurance-related tasks to add to your post-wedding checklist.

Update Your Policy Beneficiaries

As you start assessing the “yours, mine, and ours” of insurance policies, one of the most important first steps is reviewing and updating your beneficiary designations. It’s common to list parents, siblings, or other family members as policy beneficiaries before you find your better half. But after the wedding, you’ll want to make sure your policies — and retirement and other financial accounts — reflect your marriage milestone. In most cases, beneficiary designations take precedence over what’s documented in wills and trusts, which is why it’s critical to keep beneficiary information updated.

Still, you should create a will, as there can be consequences to dying without a will in Texas.

Fine-Tune Your Auto Insurance

If you’re both bringing separate policies — and insurance companies — into the marriage, now’s a good time to compare your options. Typically, combining your policies can streamline your finances and possibly qualify you for a multivehicle discount, depending on the insurance company. But if one of you has a complex driving history, separate policies might make the best financial sense.

Compare coverage details, deductibles, and premiums before making a decision. If you’ve got questions, our auto insurance guide is a great place to start.

Reevaluate Your Renters or Homeowners Insurance

Take time to review your renters or homeowners insurance, whether you’re purchasing a new home together or moving into the other’s residence. Both of you should be listed on the policy. Also, this is the perfect time to evaluate your belongings and coverage amounts. For example, if you received some pricey wedding gifts, such as artwork, jewelry, tech, or family heirlooms, you may want to increase your coverage. An inland marine insurance policy can help broaden your coverage to protect your valuables, including engagement and wedding rings.

Explore Life Insurance Options

Marriage comes with shared financial responsibilities — especially if you plan on expanding your family at some point. It’s never too early to think about this protection; there’s life insurance for every era.

Even though you’re just starting your life together, think about what you hope to build. Life insurance can provide a layer of financial protection should the unthinkable happen. Life insurance can help your spouse keep up with mortgage or rent payments, everyday living expenses, and outstanding debts should something happen to you, or vice versa.

Many employers offer a form of life insurance, but it’s typically only valid for as long as you work for the company. Also, the coverage amount may not be enough for your budding family’s needs. An individual life insurance policy can offer constant and increased protection.

Another consideration is long-term care insurance. While you most likely won’t need it for several more decades, it can help protect you and your spouse’s assets and open your options for health-related care if you’re unable to care for yourself due to an illness, disability, or chronic disease.

Opt for a 360 Review

If you’re not sure where to start, a 360 Review with your Texas Farm Bureau Insurance Agent is a great first step. This free, comprehensive review offers a bird’s-eye view of your and your new spouse’s insurance coverage. A 360 Review can help determine if you have too much coverage — or not enough — in certain areas, and it can also assess your liability risk.

As you build a life together, you should review your insurance with every major milestone, including buying your first home and welcoming a child.

In the throes of wedding planning? Unwind with these Texas bachelorette party ideas.