Tying the knot changes more than just your relationship status—it can also impact your finances in surprising ways, including your homeowners insurance. If you’ve recently gotten married or are planning to, you might be wondering:
Does getting married lower your home insurance?
The answer: Yes, it often does. But let’s break down why and how.
At Eugene C. Yates Insurance Agency, we’ve been helping Sacramento couples save on insurance since 1946. Here’s what you need to know.
💡 Why Marriage Can Lead to Lower Home Insurance Rates
Insurance companies use a variety of data points to determine your premium—and one of those factors is marital status. Here’s why being married might work in your favor:
✅ 1. Married Couples Are Considered Lower Risk
Statistically, married couples tend to:
- File fewer claims
- Have more stable financial situations
- Maintain their properties more consistently
All of these factors translate to lower risk for insurance companies, which often results in lower premiums for you.
✅ 2. You May Benefit from Dual Incomes and Better Credit
When you get married, you often combine financial resources. That could mean:
- Higher household income
- Improved or averaged credit scores
Some insurers take credit history into account when setting premiums. A better financial profile can lead to more competitive home insurance rates.
✅ 3. Bundling Opportunities = Bigger Discounts
After marriage, couples typically share more than just a home—they may also combine:
- Auto insurance
- Life insurance
- Umbrella policies
Bundling multiple policies under the same insurer can unlock discounts up to 25%, depending on the provider.
✅ 4. You May Qualify for a Multi-Policy or Loyalty Discount
If you and your spouse are now insuring one home instead of two, or switching to the same provider, you might also qualify for:
- Multi-policy discount
- Loyalty or long-term customer discount
- Claim-free or good payer discount
Even small discounts add up over the lifetime of your policy.
⚠️ Things to Keep in Mind
While marriage can help lower your premium, it’s not a guaranteed discount. Your home insurance rate still depends on:
- The location and condition of your home
- The amount of coverage you select
- Your claims history
- The insurer’s individual pricing model
Also, California law has certain limits on how credit is factored into rate calculations, so the impact may vary depending on your insurer.
📝 Tips for Married Couples Reviewing Their Home Insurance
- Update your policy to include both spouses
- Review your coverage—your needs may have changed after combining households
- Compare quotes from multiple insurers to find the best price for your new situation
- Ask about bundling and multi-policy options
💬 Final Thoughts
Marriage marks the beginning of a new chapter—and it’s the perfect time to revisit your home insurance. While savings aren’t guaranteed, many married couples find they qualify for lower premiums, especially when bundling other types of coverage.
💸 Newly Married? Let’s Find You the Best Home Insurance Deal
At Eugene C. Yates Insurance Agency, we help Sacramento couples get quality coverage at affordable rates. Whether you’re newlyweds or long-time partners, our team can shop quotes from top insurers and uncover every discount you deserve.
📞 Call us today to speak with an agent
💻 Or get your free custom quote online in minutes
Eugene C. Yates Insurance Agency
Sacramento’s Trusted Insurance Experts Since 1946
Affordable. Local. Personalized.