Getting married? Need insurance? Here’s what you need to know.

Visions of the wedding party, the six-tiered wedding cake, and the honeymoon have likely been consuming your thoughts since you both decided to say, “I do.” But as much fun as it is to daydream about formal wear and champagne toasts, logistics factor in, too, especially when it comes to protecting your new union.

You may have used a wedding planner, but have you thought about an insurance planner? Your local insurance agent is that person. Here are a few things to think about before you sit down with your agent.

Make sure your wedding is a ‘WOW’

Picking the best man and maid of honor and taste-testing cake are the fun parts of wedding planning. But most couples getting ready to walk down the aisle don’t consider things not going as planned: terrible weather, venue damage, even an injury at the reception.

We can work with you and your local agent to make sure your day is covered — so you can focus on the love, not a lawsuit.

A toast to the bride and groom. Your cousin Becky is famous for her beer pong skills, and although you hope she doesn’t unveil them during your at-home reception, you should still consider Host Liquor Liability insurance[DM1]  inn case Becky’s competitive spirit turns into competitive drinking and something (or someone) goes awry. This insurance could help cover costly liability claims.

Uncle Ted just had to show off. It wasn’t long before he decided to show the crowd his chicken dance. Unfortunately, Uncle Ted’s dance routine went from funny to freefall. With Medical Expense [DM2] coverage, Ted could be covered up to $5,000.

Maybe we should have called an Uber. Borrowing a friend’s Bentley to get you to the church on time is a pretty stylish choice. But if you find yourself in a ditch, you might be paying to repair or replace that luxury ride. Hired and Non-Owned Automobile Liability Coverage [DM3] can help provide the protection you need if your ride takes an unexpected detour.

We all know some yahoos. So, your best friends offered up their family farm for your wild wedding weekend, and three of your old college buddies decided it would be a great idea to drive a tractor into the pig pen. If you had planned ahead, that shredded fence could be covered with Property Damage Liability.

If you’re getting hitched AND you’re a Grinnell Mutual policyholder, we can protect your big day — up to $1 million — from bodily injury liability, property damage liability, personal and advertising injury liability, and the litigation costs to defend yourself. Talk to your agent today before you tie the knot tomorrow.

FROM CONDOS TO COTTAGES: INSURANCE FOR YOUR NEW HOME

The honeymoon won’t last forever and you have to live somewhere. Before you call a real estate agent, you’ll want to determine what kind of homeowner’s insurance best fits your budget and your lifestyle.

First step. During the home-buying process, you will be required to purchase home insurance before your bank will give you a loan. Grinnell Mutual and our Grinnell Mutual  members believe in protecting your investment with our flexible Home-Guard® insurance, which combines property and personal liability coverage with added options, like additional living expenses. Contact an agent right after calling your Realtor to say, “We’ll take it!”

Moving and mishaps. Even a minor misstep by your brawny buddy can lead to a lawsuit. That’s why Grinnell Mutual’s comprehensive Home-Guard coverage has an Umbrella option. If you’re responsible for someone else’s bodily injury or property damage, Umbrella provides the extra liability protection you need.

With this ring, I thee…wait… who has the ring? It cost two month’s salary but it’s nowhere to be found. If you’re smart, you already covered it on your existing policy, but back it up with an auxiliary policy like Inland Marine, which is protection for your baubles — not your boat. Grinnell Mutual’s Home-Guard combines property and personal liability coverage, so if that rock goes missing, you can replace it without declaring bankruptcy.

So, you bought a fixer upper… Buying a house that needs some TLC isn’t for the weak-willed. But even new homes can have an appliance or central air unit go kaput, which is why you should talk to your agent to make sure your homeowner’s policy has equipment breakdown coverage.

Identity theft could be part of the deal. Most paperwork these days is digital, and as convenient as it is to apply for a loan with a click of a button, it comes with a fair amount of risk. That’swhy Grinnell Mutual has partnered with CyberScout™ to help ensure that your privacy, your good name, and your future remain intact. If your personal data falls into the hands of the wrong person, CyberScout will walk you through the process of resolving the issues, step by step, free of charge.

You concentrate on today and we’ll concentrate on helping you protect your tomorrow with Home-Guard® Insurance. Talk to your agent today.

CUTE COUPLE, CUTE CAR: AUTO INSURANCE TIPS YOU NEED

It’s time to ditch the beater you’ve had since years before marriage and buy a reliable four-door. So, what about car insurance?

Less is more. At Grinnell Mutual, it’s easy to add your spouse’s vehicle(s) to your existing policy. Or we can help you both get off your folks’ policy and on to your own combined auto policy. You can have two vehicles (and a boat and an RV) and still have a single policy for all of them.

We call it One Policy, and it could pay for bodily injury, property damage, run-ins with uninsured and underinsured motorists, and medical costs. Why juggle four different policies when you only need one?

Romantic road trips just got a little sweeter. You just got back from the honeymoon, but instead of tackling that pile of thank-you notes, you’ve packed your hatchback to the brim for a weekend in the woods. But what happens if someone breaks into your vehicle while you’re sleeping?

If you’ve planned accordingly, you’ve upgraded your Grinnell Mutual policy to include our Auto Plus endorsement, which offers extra coverage if someone steals your fancy new fishing pole and tackle box. And we look out for more than just personal property — if you lock yourself out of your vehicle or wreck a rental car, Auto Plus can help you navigate those bumps in the road.

Mark your marriage with a milestone. You can celebrate more than just a year of marriage if you have auto insurance with Grinnell Mutual. Our Mile Marker Auto Loyalty Program can help get you started off on the right foot with great discounts, waived deductibles, and loyalty recognition, from small at-fault accident forgiveness to towing and labor coverage when your policy is at least five years old.

The road ahead is long and beautiful. Let Grinnell Mutual help you navigate it safely and affordably. With comprehensive auto insurance coverages, as well as discounts and incentives, we make getting behind the wheel a dream come true. Chat with your agent today.

RENTING? YOU STILL NEED INSURANCE

You’ve decided to rent together instead of buying a house, but you want to make sure you know what you’re getting into. How do you insure it?

You’re responsible for more than you know. Thanks to your wedding haul, you’ve got some nice, grown-up stuff. You want to make sure that if any of your new swag is damaged or stolen, it’s covered. But your landlord’s got insurance, right? Yes, but did you know that your landlord’s insurance policy probably won’t cover your possessions if a break-in or water damage happens? Renter’s insurance from Grinnell Mutual or a Grinnell Mutual members helps cover what your landlord’s insurance does not.

Think outside the box. Renter’s insurance isn’t just about protecting your stuff. What if the roof of your rental is smashed by a falling tree? The landlord’s insurance probably has that covered, but you might be looking for temporary living arrangements. With Grinnell Mutual’s renter’s insurance, additional living expenses can be included. Talk to your agent for details.

The unthinkable happened, so now what? When the going gets tough, you’re going to want to get the ball rolling on replacing stolen or ruined belongings and fixing any damage immediately. Luckily, Grinnell Mutual makes it simple and efficient with Manage My Account — filing a claim is now a click away.

Grinnell Mutual offers you peace of mind at every stage of your life. Call your agent today and start your future tomorrow.