Fall weddings are big in Colorado. The aspen leaves are glowing, the mountain air is crisp, and venues from Vail to Telluride are packed with newlyweds. But after the cake is cut and the photos are posted, it’s time to take care of the grown-up stuff—like your insurance.

Marriage changes a lot, and your personal lines insurance should reflect that. From auto to renters to life insurance, here’s what Colorado couples need to know.

Combine and Save on Auto Insurance If you and your partner each have a car and separate policies, combining them can lead to big savings. Multi-vehicle discounts are substantial, especially with clean driving records. In Colorado, bundling your auto insurance with homeowners or renters can also knock your premiums down.

But don’t just default to the cheaper option—compare coverage limits and deductible amounts. Make sure you’re both comfortable with the protections in place.

Update Your Home or Renters Policy If you’re moving in together, make sure your home or renters insurance reflects your shared belongings. High-value items like wedding rings, electronics, or art should be scheduled separately to ensure full coverage.

For couples buying a home together, review your policy limits for dwelling, personal property, and loss-of-use coverage. Colorado weather can be unpredictable—hail, wildfire, and flash floods are all on the table.

Name Changes and Beneficiaries If one or both of you change your name, make sure your insurance documents match. More importantly, review beneficiary information for any life or disability policies.

And speaking of life insurance: this is the perfect time to get a policy if you don’t have one yet. Rates are lower when you’re younger and in good health.

Health Insurance Adjustments Marriage qualifies as a special enrollment period. If you’re on separate health plans, compare options and costs. Often, it makes sense for one spouse to join the other’s employer plan.

Pro Tip: Create a Household Insurance File It doesn’t have to be fancy, but keep a shared record of your policies, account numbers, and renewal dates. It’ll make future changes easier.