321_reddit t1_iufjga8 wrote on October 30, 2022 at 10:58 PM

Reply to comment by WizardDresden2192 in I recently bought a house and my fiancée lives with me, how do we handle home insurance? by twy314

Most insurance companies require your marriage to be legally recognized for any spousal discounts to apply.

WizardDresden2192 t1_iufk9zt wrote on October 30, 2022 at 11:04 PM

Not true at all. For married discount I've never been asked for documentation. When I worked as a producer it was never required. Some may depend on state laws, but I doubt it. Other, more serious discounts like a new roof discount require documention.

321_reddit t1_iufl3u9 wrote on October 30, 2022 at 11:10 PM

It’s highly dependent on state law then. Where do you primarily write policies?

I experienced this issue first hand 10 years ago when attempting to combine insurance policies with my then boyfriend now husband. A very well meaning insurance agent attempted to record us as “married” even though Nebraska didn’t recognize same sex marriage. She later had to rewrite all of our policies because underwriting flagged it. The insurance companies in NE were using state law and applying it to their rates.

WizardDresden2192 t1_iuft0ub wrote on October 31, 2022 at 12:09 AM

I wrote in OH but that was several years ago. If something was very obvious or there were state laws as what constitutes marriage then yes, uw will flag or decline that policy or discount. But, generally speaking especially since op is engaged, I don't think it would cause any issues.