Insurance when you marry or move in together

When two households combine, there are often two sets of policies. This page lists what people usually review.

One home, two sets of things

Cars

Tell your insurer when someone new will drive the car regularly. Ask whether both of you should be listed and how that affects each policy.

Life insurance and beneficiaries

A beneficiary is the person who receives the payment. After a marriage, many people look at who is named on each policy. Rules differ by province and by the type of policy, so ask your insurer or a licensed advisor how to update this.

Other things to look at

Related pages

Common questions

Do we need to combine our insurance policies?

Not necessarily. Some couples combine, others keep separate policies. It depends on your situation, the insurers and the coverage. A licensed advisor can walk through the options.

Should I change my life insurance beneficiary after marriage?

It is worth reviewing. What is allowed and how to do it depends on the policy and the province, so check with your insurer or a licensed advisor.

Is wedding insurance a thing?

Event insurance exists, including liability coverage for weddings and other events. What it covers varies, so read the details.

More in Insurance and life events

General information, not advice or a recommendation. Rules differ by province and by insurer, so confirm with your insurer or a licensed advisor. This page was last checked in November 2026.