Up until recently, unmarried couples faced many difficulties when applying for different types of domestic partner insurance coverage. The story was similar for married same-sex couples residing in states that didn’t recognize their marriages as legal unions. It was tempting to mark the “married” selection on an insurance application; however, there was a great risk in having benefits denied due to fraud. In 2013, a Supreme Court decision gave federal recognition to same-sex marriages. As a result, access to insurance has increasingly improved for domestic partners. When it comes to gay marriages and domestic partnerships, local and state laws often trump federal statutes. It is important to locate knowledgeable independent insurance agents of Dallas because they can help you navigate the multitude of insurance options within the area you live. Working with a Dallas insurance agency who understands the local laws will help make sure you and your domestic partner reach the best decisions about auto and home insurance options.
Auto Insurance
The saying “if you don’t ask, you’ll never know” rings true when discussing auto insurance for couples in domestic partnerships. Couples who live together and own more than one vehicle can often take advantage of multi-car and multi-driver discounts. Many insurers will also offer the marriage discount to domestic partners. In some cases, you may have to provide proof of shared expenses, such as rent or phone bills, in order to qualify for the married rate. You should be mindful of your driving history and your partner’s history. Many companies have discounts for good drivers. A poor driving history can lead to higher insurance rates due to the increased risk. It may be better for you to have a separate policy if your partner has many claims and violations on his or her record.
Home Insurance
Your marital status isn’t as important for determining home insurance rates, though some insurers do recognize same-sex unions and domestic partnerships in their underwriting. There are some issues cohabiting same-sex and unmarried couples need to be aware of when shopping for a homeowner’s insurance policy. If you have purchased a home with your partner, make sure both your names are listed on the mortgage and deed. In order to obtain joint coverage for your home, be sure both of your names are listed on the policy and all belongings are covered. If one partner has moved into the other’s home, check with your insurer for an endorsement for additional occupants, which would cover the belongings of the non-homeowner. If an endorsement is not available, you may want to purchase a separate renter’s policy. Many insurers also offer multi-policy discounts so it is useful to find a single company you can use for both your auto and home insurance needs. You don’t have to settle for an expensive home and auto insurance policy with an insurer that doesn’t recognize your domestic partnership. If you are looking for domestic partner insurance, contact us. Our Dallas insurance agency can help you and your partner shop around for the best policy.