321_reddit
321_reddit t1_iufjga8 wrote
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.
321_reddit t1_iufjbkc wrote
Reply to comment by Hfx123 in I recently bought a house and my fiancée lives with me, how do we handle home insurance? by twy314
Common law marriage is limited to 9 states (really 8). NH is for estate purposes only. RI is the asterisk. It’s legality is tenuous at best. The only way to record a common law marriage there is to appear before a family court judge who is sympathetic towards the concept of common law marriage. see here
321_reddit t1_iufl3u9 wrote
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
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.