{"id":54,"date":"2025-03-28T04:00:00","date_gmt":"2025-03-28T10:00:00","guid":{"rendered":"https:\/\/www.theroarkinsuranceagency.com\/blog\/?p=54"},"modified":"2025-03-26T14:46:55","modified_gmt":"2025-03-26T20:46:55","slug":"home-insurance-options-for-couples-who-just-got-married","status":"publish","type":"post","link":"https:\/\/www.theroarkinsuranceagency.com\/blog\/home-insurance-options-for-couples-who-just-got-married\/","title":{"rendered":"Home Insurance Options for Couples Who Just Got Married"},"content":{"rendered":"<p>Roark Insurance Agency has helped many Flatwoods, KY homeowners find policies for their new house. For example, we can help newlywed couples understand their insurance requirements. Here are a few things that you have to know if you&#8217;re interested in getting protection after marriage.<\/p>\n<h2>Should Both Be On the Policy?<\/h2>\n<p>If one person owns the home (such as the wife), they&#8217;re the only person who (by Kentucky law) needs to be on the policy. However, it&#8217;s a good idea to include both when:<\/p>\n<ul>\n<li>They jointly own the home and want to make sure they&#8217;re covered<\/li>\n<li>The policy automatically adds the other partner (common)<\/li>\n<li>Adding them makes it easier for the policy to file claims<\/li>\n<\/ul>\n<h2>Will Your Spouse Get Automatically Covered?<\/h2>\n<p>Typically, we see a few different types of co-insurance: named and automatic insureds. Named insureds require you to specifically list your partner on the policy, meaning they can file claims and make changes. However, Kentucky law may add your partner to your policy automatically once you&#8217;re married. Unmarried couples typically have to go the &quot;named&quot; route, so keep that in mind.<\/p>\n<h2>Are There Benefits for Adding Your Spouse?<\/h2>\n<p>Absolutely! Advantages include:<\/p>\n<ul>\n<li>Faster claims payments that work well if you can&#8217;t do it for any reason<\/li>\n<li>Easier adjustments to your coverage, as your spouse can do them for you<\/li>\n<li>Quicker renewals if ownership changes due to divorce or (heaven forbid) death<\/li>\n<li>Improved interest rates due to multiple owners being listed on the policy<\/li>\n<li>Continual coverage if you split up (even temporarily) and ownership shifts<\/li>\n<\/ul>\n<h2>We&#8217;re Here to Help You!<\/h2>\n<p>At Roark Insurance Agency, our team of specialists can help Flatwoods, KY couples understand their needs. We&#8217;ll work directly with you to identify high-quality policies, work with your lender, and ensure you walk away with a high-quality policy that makes sense for you and your partner.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Roark Insurance Agency has helped many Flatwoods, KY homeowners find policies for their new house. For example, we can help newlywed couples understand their insurance requirements. Here are a few things that you have to know if you&#8217;re interested in getting protection after marriage. Should Both Be On the Policy? If one person owns the [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[20,22,21,14],"class_list":["post-54","post","type-post","status-publish","format-standard","hentry","category-home-insurance","tag-flatwoods","tag-home-insurance","tag-ky","tag-roark-insurance-agency"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 4.9.9 - aioseo.com -->\n\t<meta name=\"description\" content=\"Roark Insurance Agency has helped many Flatwoods, KY homeowners find policies for their new house. For example, we can help newlywed couples understand their insurance requirements. Here are a few things that you have to know if you&#039;re interested in getting protection after marriage. Should Both Be On the Policy? If one person owns the\" \/>\n\t<meta name=\"robots\" content=\"max-image-preview:large\" \/>\n\t<meta name=\"author\" content=\"admin\"\/>\n\t<link rel=\"canonical\" href=\"https:\/\/www.theroarkinsuranceagency.com\/blog\/home-insurance-options-for-couples-who-just-got-married\/\" \/>\n\t<meta name=\"generator\" content=\"All in One SEO (AIOSEO) 4.9.9\" \/>\n\t\t<meta property=\"og:locale\" content=\"en_US\" \/>\n\t\t<meta property=\"og:site_name\" content=\"Blog | Roark Insurance Agency -\" \/>\n\t\t<meta property=\"og:type\" content=\"article\" \/>\n\t\t<meta property=\"og:title\" content=\"Home Insurance Options for Couples Who Just Got Married - Blog | Roark Insurance Agency\" \/>\n\t\t<meta property=\"og:description\" content=\"Roark Insurance Agency has helped many Flatwoods, KY homeowners find policies for their new house. For example, we can help newlywed couples understand their insurance requirements. 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