Talking about Fargo insurance might not top your list of thrilling pre-wedding activities, but trust us—it’s a conversation worth having. Sorting out your coverage now sets you up for smooth sailing later.
Insurance Questions for Your Future Spouse
So, what should you ask your soon-to-be partner?
- Health Insurance: What’s the Situation?
Does your partner already have health insurance? If yes, great—but which plan works best for both of you? If not, it’s time to explore options, whether through a workplace or the marketplace. No one wants to be caught off guard with medical bills.
- What’s the Deal with Life Insurance?
Here’s the reality: life insurance is about protecting your partner’s future.
Find out if there’s a policy in place, who’s listed as the beneficiary, and whether the coverage amount reflects shared financial responsibilities. Love and practicality can go hand-in-hand.
- Auto Insurance: Are We Covered?
Merging Fargo auto insurance policies could mean lower costs. Before making a move, talk about coverage levels and any past claims. This conversation becomes even more crucial if you’re buying a new car together.
- Renting or Owning? Let’s Discuss Property Insurance.
Whether you rent or own, protecting your home and belongings is key. Make sure you’re clear on what’s already covered and whether adjustments are needed as you combine households.
- What About Disability Insurance?
This one doesn’t get talked about enough. Disability insurance provides income if one of you can’t work for health reasons. Check if either of you has it through work or a private policy; if not, consider it.
- Debts and Financial Obligations: What’s the Plan?
No one loves this conversation, but it’s necessary. Knowing each other’s debts helps shape decisions about life insurance and overall financial planning. From student loans to mortgages, having a plan avoids surprises.
- Future Goals: What’s on the Horizon?
Are you dreaming of kids, a new house, or starting a business? These big plans come with new insurance needs. Adjust your coverage as life changes—it’s always better to be prepared.
- Do We Have a Policy Review Schedule?
Life happens, and insurance needs shift. Set a regular time to revisit your policies and make updates together. It’s one of the easiest ways to stay on track.
Taking the time to ask these questions strengthens your partnership and ensures you’re ready for whatever life throws your way.
We’re here to help, too. Contact Fargo Moorhead Insurance today so we can help you and your future spouse get on the same page about your insurance.