Congratulations on your engagement. What an exciting time and there’s lot’s to do get ready for the big day!
Your Wedding Day should be all about you and your spouse….and the beginning of your new life together. With all the effort in preparing for the big day, your probably not thinking insurance, but you should. At Thams Agency we want to help you avoid any potential issues or concerns so we have a few tips for you to consider.
If your wedding plans include a celebration at a restaurant, banquet hall or similar venue, it’s important to check their insurance coverage and they might even ask for yours. You will have a lot of guests and possibly some support staff on hand, so make sure they carry an adequate amount of liability insurance.
If you are considering a backyard wedding at your home or farm, let your qualified Thams Agency representative check your homeowner’s policy for what will or won’t be covered. For example, if you are planning on serving alcohol you may or may not need a special policy.
Our experts will also walk you through what’s known as Special Event Liability Insurance.
We’ll do our best to make sure you have a happy and worry free wedding day….well regarding insurance anyway.
Auto Insurance for a Married Couple
When you awaken as a married couple, you’ll feel good but maybe not all that different. But in the minds of your insurance company you’re seen as new and improved people.
Why? – Insurance company data shows married people are more responsible.
As a result, you’ll begin to experience the world of insurance discounts. In fact, you could see as much as a 25% drop in your auto insurance bill when you marry and combine your vehicles onto one policy.
And that’s not all! You might be able to snag multi-car, garaging, multi-policy and other discounts as well.
An important step is to have one auto insurance policy. Being married, and keeping separate auto insurance policies can create costly gaps in your auto insurance coverage.
So give us a call. We’ll help you not only get the best auto insurance coverage, but we’ll make sure you get the absolute best value you have coming to you and your spouse.
Renters Insurance & Homeowners Insurance for the Newly Married
While marital status is generally not used for pricing a renter’s policy, the value of your possessions is. And that value most likely has just increased. Protect it!
Consider a renter’s policy from Thams Agency. 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.
Valuables and Jewelry Insurance Coverage
Whether you’re a renter or homeowner, you just got married so you probably have jewelry that needs to be insured (wedding rings and bands at the very least) and may received some valuable 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, such as adding mysterious disappearance as a covered cause of loss. Plus, there is no deductible.
Consult with the insurance experts at Thams Agency to learn how to value your special possessions. We can also suggest when and how to add this coverage to your policy.
In fact, Thams Agency 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 Thams Agency 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 Thams Agency 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 Thams Agency 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 – we will personalize your plan to your needs!
- Access to the most reputable insurance companies in the market today.
- A strong local presence.
- Commitment to continuing insurance education.
- Our pledge to insure all of our customers with the best insurance coverages at the best value.
Call 712-263-3193 today for your newly married insurance needs. Thams Agency is A Trusted Choice Independent Insurance Agency, and we will help protect you for life!
Our clients say it best….
The agents at Thams make you feel like you are part of a family. They are extremely personable and the level of communication exceeds any company I have had experience with.
Client since 2004
You served my folks well and I have found no reason to switch elsewhere. Your company seems rooted in Denison and an asset to the community, which is always an important part of being in business in any community.
Virginia Dobler McCurdyCustomer since 2011
We feel that we have professionals serving our every need at the Thams Agency whether it be house, auto, or health. One stop takes care of all of our insurance needs, and we know it’s done right. P.S. Your offices are lovely. Good move on your part to remodel and maintain the historical attributes of the building while still making it modern.
After switching to Thams, I feel like I am getting as good, maybe even slightly better property insurance coverage for a whole lot less money. As long as the premium does not take any significant jumps in the next few years then I believe this was a great switch to Thams. Very friendly staff. I feel like I should have gone to see them many years ago.
Brian E.Customer since 2014
They have helped reduce my payments with discounts like homeowner, safe driving, multi car, etc. Their rates are better then the old insurance company I had, they just kept raising rates although I had never had an accident (and they didn’t have discounts either). When I first came in to to talk to Todd and ask about their rates, they were 50 % lower then what I was paying. Now they are even lower due to discounts.
Thams Agency has an honest, and straight forward approach to dealing with customers. They work hard to find the best insurance coverages and prices for the customer, while giving guidance and reasoning for customers to make the most informed decision possible.