Newlywed couples

Congrats Newlyweds! As your wedding celebrations come to an end, you might be asking yourselves some questions on topics like combining finances, navigating post-wedding blues (it's a thing!) or buying a house and preparing to start a family. Find expert marriage advice to guide you through the start of your forever and beyond.

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Why Married Millennial Couples Are In Debt

We know that the planning doesn’t stop after the wedding. When it comes to combining finances before and after marriage, there’s so much to navigate — from budget talk and combining bank accounts to paying debt, creating financial savings goals, credit, and beyond.

Relationship advice

5 Finance Topics Newlyweds Need to Discuss Post-Wedding

Finances aren't always the most fun to talk about—but they are necessary, especially for newlyweds. Find out what newlywed finance talks to focus on and how to make the money talk feel easier.

Relationship advice

3 Tax Changes Newlyweds Need to Make

Now that your married, your taxes will change. Get started and keep it simple with our top three tax tips for newlyweds.

Relationship advice

Who Needs Renters Insurance?

If you pay rent, you need renters insurance. If you have a property, you can't afford to replace, you need renters insurance.

Relationship advice

How To Buy Family Life Insurance

There are several ways to protect your whole family with life insurance, and we can walk you through your options.

Relationship advice

Here's How To Build Your Best-Ever Newlywed Budget

From small expenses to big-picture financial decisions, here's how you and your new spouse can build your best budget together.

Relationship advice

How Spouses Can Shop For Life Insurance

Save time and hassle by shopping for policies together to protect your family’s future.

Indian Spring Wedding joint life insurance policy

Relationship advice

Is A Joint Life Insurance Policy Right For You?

Couples can either purchase separate life insurance policies, or they can buy joint life insurance, which is one policy that covers two people. It’s an option that not many people know about, and depending on your situation, it might be the right answer for you.

Relationship advice

Your Guide to The Different Types of Homeowners Insurance

Homeowners insurance is for your house, apartment, condo, mobile home, and more. Here's everything you need to know.

Relationship advice

How to Make a Personalized Wedding Photo Album

Do you want to create a wedding album yourself? We've got you covered! Continue reading to learn how to make your own wedding album online.

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Find even more wedding ideas, inspo, tips, and tricks

We’ve got wedding planning advice on everything from save the dates to wedding cakes.

\n \n \n\n\n\n\n\n\n \n ","subtopicPage":{"articles":[{"type":"articlePage","topic":{"name":"Relationship advice","slug":"relationship-advice"},"subtopic":{"name":"Newlywed couples","slug":"newlywed-couples"},"slug":"why-married-millennial-couples-are-in-debt-report","title":"Why Married Millennial Couples Are In Debt","excerpt":"We know that the planning doesn’t stop after the wedding. When it comes to combining finances before and after marriage, there’s so much to navigate — from budget talk and combining bank accounts to paying debt, creating financial savings goals, credit, and beyond.","publishedAt":"2019-04-23T20:39:28.389Z","heroImage":{"src":"//images.ctfassets.net/77l22z9el0aa/1C0eXGCOzLWit9Nm7AzFHr/04b5c4c98ebaa25b9fa71e42ffb4e506/SoFi_Infographic_Press__8___1_.jpg","altText":"Why Married Millennials Are In Debt"},"heroCredit":"Zola","body":"---\n\n Anything for Love\n\n---\n\nWe know that the planning doesn’t stop after the wedding. When it comes to combining finances before and after marriage, there’s so much to navigate — from budget talk and combining bank accounts to paying debt, creating financial savings goals, credit, and beyond.\n\nTo dig into how newlyweds are paying for their nuptials and combining finances during their first years of marriage, Zola joined forces with [SoFi](https://www.sofi.com/zola/), a personal finance company helping its members achieve financial independence to realize their ambitions, and together we surveyed 1,123 recently married couples about marriage and money.\n\nThe great news? Money is no longer a taboo relationship topic. The vast majority of couples know absolutely everything about each other’s financials and budget habits before tying the knot. 84% also said they feel extremely comfortable talking about money with their spouse.\n\nOur survey also revealed that 98% of newlyweds are saving, however priorities are shifting. Today, the #1 newlywed savings goal is travel, followed by (in order) retirement, emergency funds, paying off debt, children, and buying a home.\n\nAnd then, there’s the engagement ring, the proposal, and the wedding itself. It turns out that 89% of couples are contributing to their wedding budget, even when it means adjusting their spending habits or taking on debt to do so. In fact, 30% of couples are taking on debt to pay for the big day.\n\nRead on for more insights into all-things newlywed finances. Then, [click here](https://www.zola.com/expert-advice/topic/newlywed-life/merging-finances) to read more about how couples are merging their finances with SoFi and Zola, and to [register for SoFi services](https://www.zola.com/shop/honeymoon-cash-funds)! \n\n## Funding The Engagement Ring\n\nIt turns out that not only are couples taking on debt to pay for the big day, but they are also taking on debt to pay for the ring. 90% of couples said they purchased an engagement ring, with the majority spending between $2,000 to $4,000. And, 27% admitted to taking on debt in order to afford it.\n\n## Budgeting For The Wedding \n\nEven though weddings are getting more and more expensive, couples are determined to pay for their dream day. Our survey revealed that only 11% of couples did not contribute to their wedding budget vs. 20% who covered the cost entirely.\n\n72% of couples also reported changing their spending habits in order to afford the big day. How did they cut back?\n· \t61% cut back on leisure activities\n· \t31% cut back on travel\n· \t16% reduced their savings goals such as lowering their 401k contribution\n· \t8% moved to a more affordable apartment\n· \t5% deferred loan payments like student loans\n\nBrian Walsh, SoFi’s manager of financial planning and CFP®, recommends not getting into debt if it can be avoided. “The simple fact is that debt has been linked to increased anxiety, reduced satisfaction and tougher adjustment to married life. Knowing that, you need to ask yourself if going into debt is really worth it? As a financial planner, my advice would be a hard no, but as someone who is married, my answer is that it is much more complicated.”\n\n## What’s Yours Is Mine (Even Debt)\n\nWhen it comes to getting married, millennial couples are committing to both lifelong love and joint finances. \n\n86% of newlywed couples are entering their marriage with debt, and instead of putting the onus on the partner bringing it into the relationship, couples are partnering to pay it off.\n\nPlus, 72% of newly married couples do have at least one joint bank account. And, 58% are splitting every bill 50/50 or paying from a joint account. \n\nThe number-one reason why couples have not created a joint account? Because the process seems overwhelming. [But, it doesn’t have to be](https://www.zola.com/expert-advice/joint-bank-account). \n\n## The Future Of Your Savings Account\n\nEven though we were impressed that 98% of couples are saving money together, the truth is that couples are not saving enough. Many sources recommend that couples save 20% of their annual income, but our survey found that regardless of where newly-married couples live or what they earn, the majority are saving much less..\n\nWhy aren’t couples saving more? Many survey respondents told us that they are currently focused on [paying down their debt](https://www.zola.com/expert-advice/china-linens-and-student-loans-your-wedding-registry-awaits), but have plans to up their savings contribution in the near future. However you plan on saving, we support it 100%.\n","tag":"Finances","widget1":{"marketingModule":{"tag":"EA_Masterbrand"}},"nextUp":[{"excerpt":"To learn how to save money together for the future, read these expert tips on merging finances with your spending-partner-for-life.","title":"Are You Ready For A Joint Bank Account?","slug":"joint-bank-account","topic":"Relationship advice","tag":"Finances","heroImage":{"src":"//images.ctfassets.net/77l22z9el0aa/55sTThfMEg96vD9f633Lov/dfca254413a76d6d4b586098359702eb/Hero_New.jpg","altText":"Are You Ready For A Joint Bank Account?"},"type":"articlePage"},{"excerpt":"If you’ve never lived together before marriage, moving in can be an adjustment. Here are expert tips on how to communicate, set boundaries, and enjoy your newlywed home.","title":"7 Tips for Moving in Together After Marriage ","slug":"moving-in-together-after-marriage","topic":"Relationship advice","tag":"Inspiration","heroImage":{"src":"//images.ctfassets.net/77l22z9el0aa/3j8BVCfLTf3DR2YhPciwcA/084910eab3e960e055782787ea631353/7-Tips-for-Moving-in-Together-after-marriage.jpg","altText":"newlyweds move in together"},"type":"articlePage"},{"excerpt":"Plan your ideal honeymoon with our curated destinations list. From breathtaking beaches to charming cities, discover the perfect romantic escape.","title":"34 Best Honeymoon Destinations for 2024","slug":"best-honeymoon-destinations","topic":"Honeymoons","tag":"List","heroImage":{"src":"//images.ctfassets.net/77l22z9el0aa/xMfB590ouqVlhSF5M5gmO/3e7b6ada89c87837e1c9eca1c7e686c4/best-honeymoon-destinations-hero.jpeg","altText":"Couple holding hands walking on a beach"},"type":"articlePage"},{"excerpt":"While you'll be the center of attention on your big day, you can make your event more memorable with these unique wedding ideas for you and your guests.\n","title":"77 Unique Wedding Ideas to Make Your Day Unforgettable","slug":"wedding-entertainment-ideas","topic":"Venues & vendors","tag":"List","heroImage":{"src":"//images.ctfassets.net/77l22z9el0aa/nzD7rmoBlY10Jg3Nydevp/5b3bc39f9df3772b639f46ad6e238063/zola-entertainment-ideas-hero.jpg","altText":"Two lesbian brides hold hands while walking in a flower field."},"type":"articlePage"}],"stickyCta":{"copy":"Start Planning With Zola","url":"https://www.zola.com/wedding/onboard?product=WEDDING_PLANNING"},"updatedAt":"2024-02-05T16:42:10.190Z"},{"type":"articlePage","topic":{"name":"Relationship advice","slug":"relationship-advice"},"subtopic":{"name":"Newlywed couples","slug":"newlywed-couples"},"slug":"newlywed-finance-discuss-basics","title":"5 Finance Topics Newlyweds Need to Discuss Post-Wedding","excerpt":"Finances aren't always the most fun to talk about—but they are necessary, especially for newlyweds. Find out what newlywed finance talks to focus on and how to make the money talk feel easier.","author":"Emily Forrest","publishedAt":"2019-06-17T15:22-04:00","heroImage":{"src":"//images.ctfassets.net/77l22z9el0aa/1ASdp0oY4St83qsQ8l2w6l/632b713007f402c7b446e15010336fc0/5-Finance-Topics-Newlyweds-Need-to-Discuss-Post-Wedding.jpg","altText":"newlywed couple talks finances "},"heroCredit":"Zola","body":"---\n*__Sponsored Content. We may earn compensation if you click the links or buttons below.__*\n\n---","tag":"Inspiration","widget1":{"marketingModule":{"tag":"EA_Masterbrand"}},"sponsorCta":{"copy":"Get Started","url":"https://www.sofi.com/zola/"},"sponsorName":"SoFi","sponsorAbout":"\nSoFi helps people achieve financial independence to realize their ambitions. Our products for borrowing, saving, spending, investing, and protecting give our more than half a million members fast access to tools to get their money right. SoFi membership comes with the key essentials for getting ahead, including career advisors and connection to a thriving community of like-minded, ambitious people. Whether they’re looking to buy a home, save money on student loans, grow in their careers, or invest in the future, the SoFi community works to empower our members to accomplish the goals they set and achieve financial independence as a result.","sponsoredBottomContent":"Marriage, for all of its romantic grandeur, also comes with its fair share of less charming expectations. Namely: finances. You just tied an emotional and financial knot that will require communication and effort to keep snug. Don’t fret, though, you knew this was coming. And with our guide to [newlywed finances](https://www.sofi.com/zola/), you’ll be more than equipped to handle all of the planning, the numbers, and the money talks coming your way. \n\n## How To Have The Money Talk\nIn order to manage your finances and expenses together as a couple, you need to talk about your finances and expenses together as a couple. Sure, this isn’t a conversation that excites many but it also doesn’t need to be stressful. Here’s how to make the money talk easy:\n\n### Come prepared.\nYou don’t want to spend all day on this so it’s best to gather any documents or statements you need so that neither of you wastes time searching through your physical or digital folders. Ideally, each of you will bring the following:\n\n- A list of your accounts and their amounts\n- A list of any debts and their interest rates\n- Notes on any money owed to you\n- Your total income\n- A list of short- and long-term financial goals\n\n### Agree to disagree.\nThe money talk doesn’t need to be negative but you should realistically anticipate some tough moments. When things get tense, be prepared to talk it out and move past it. Try your best to articulate your points in a collected way and always listen when your partner explains his or her concerns. Identify the areas that you could afford to bend a little—and the areas that you simply can’t—and be upfront about both.\n\n### Talk values, not just numbers.\nObviously, finance is a pretty numbers-heavy arena. When it comes to talking about those numbers, though, you need to bring in the human side of things. The ways and reasons that people spend or save money are typically a result of their values. Discuss yours and hear your partner out, too. \n\nFor example, you may prefer to spend on experiences like vacations over new clothes or other big-ticket items. Your partner may be someone who needs the newest pair of sneakers that drop every few months. Neither of you should necessarily have to compromise your values but you do need to be on the same page. Discussing these differences upfront should help you down the line when they cause issues.\n\nNow that you’re in the right frame of mind to talk all things finance, here are the things you should discuss.\n\n## 1. Set newlywed financial goals.\nYou probably noticed that we recommend you come to your money talk with short- and long-term goals. That’s because your financial goals should act as guidelines for all of your financial planning and discussions. Some common newlywed financial goals are:\n\n- Taking a yearly vacation\n- [Saving for retirement](https://www.sofi.com/zola/)\n- [Reducing debt](https://www.sofi.com/zola/)\n- [Buying your first home](https://www.zola.com/expert-advice/to-dos-after-you-get-engaged)\n- Starting a college fund for future children\n- Home renovations\n- A new puppy or other pet\n- Building an emergency fund\n\nWhen you outline your immediate and less immediate financial wants and needs, you can start to actually create the budget and savings plan that will help you reach those goals.\n\n## 2. Discuss a joint bank account—and then open one.\nMerging finances is a big deal, but, for many couples, it’s also an obvious step to achieving certain financial landmarks. You can, of course, maintain separate bank accounts, but a joint account can help simplify household expenses and also help you save for larger purchases or financial goals like retirement. You may also choose to go all in and actually only maintain one [joint bank account](https://www.zola.com/expert-advice/how-to-set-your-wedding-budget) in order to streamline your finances. Regardless, whether or not to open a joint bank account is a big discussion. Don’t be afraid to ask for professional financial guidance when you need it.\n\n## 3. Review insurances.\nTake time during your money talk to review all of your insurance policies. These could include everything from homeowner’s or [renter’s insurance](https://www.zola.com/expert-advice/wedding-insurance-resources-for-the-happy-couple), life insurance, health insurance, car insurance—really any kind of insurance, major or minor. Look for duplicate coverage or total lapses in coverage. Also, figure out how combining households impacts these policies—and how to get the most out of your updated living situation. For example, if you both have homeowner’s or renter’s insurance, you don’t need the double coverage. Combining auto insurance policies may also save you on those premiums. \n\nIf you both have health insurance, it’s smart to review the plans. It may be better to combine under one insurance or it really could make more sense to keep your individual coverage. Make this a priority. Couples are typically given 30 days after marriage to add a spouse as a dependent without providing insurability. \n\nMany couples make the mistake of skipping over [life insurance](https://www.zola.com/expert-advice/buying-family-life-insurance) “for now.” Young newlyweds, especially, may not see it as immediately necessary—particularly if they’re trying to save for other expenses. But life insurance is a gift to your family members should the worst happen. It can replace income, eliminate debts, cover funeral costs, and more. You and your spouse can work with an expert to determine if term or permanent insurance is right for you. Don’t skip over this crucial part of your newlywed finances.\n\n## 4. Assess your tax situation.\nDeath and taxes, right? Now that you’re married, you have two choices when it comes to [filing your tax returns](https://www.zola.com/expert-advice/to-dos-after-you-get-engaged). You can continue to file separate returns or you can begin to jointly file. We definitely recommend consulting with a tax or finance expert to determine your best option. If you meet with a pro, be sure to bring any recent tax documents and recent pay stubs. \n\nYou should both also notify your employers (if you haven’t already) so they can update your W-4 tax-withholding forms on file. Your household has grown so you may decide to increase allowances to two—one for each of you. If you have children, that can go up even more. Again, a certified tax or finance expert can help you decide what’s best for you and your new spouse upfront.\n\n## 5. Make or update your will.\nLike life insurance, your will isn’t exactly fun to think about. Also like life insurance, though, your will is a crucial part of your newlywed financial planning. In fact, your will is the most important document in your estate. Dying without a will can cause financial havoc for remaining family. Even if you already have a will in place, you have to update it once you’re married. Estate laws vary by state so call your attorney and create or update your wills as soon as possible. Then, you’ll want to review them every three to five years to make sure they address any changes.\n\nFinancial health is an important part of relationship health. Money talks aren’t always fun but they are always necessary and can help cut down on any issues in the future. When all the finance talk feels a little heavy, seek out a professional. Our friends at SoFi can help you [create financial solutions](https://www.sofi.com/zola/) that fit your goals. ","sponsorLogoImage":{"src":"//images.ctfassets.net/77l22z9el0aa/3qqeSqMIoknKJfsfM2wD7o/fe969633d251ea78dae0064c1e7459a0/SoFi_vert_RGB_Turquoise_TM__1_.png","altText":"SoFi Logo"},"stickyCta":{"copy":"Start Planning With Zola","url":"https://www.zola.com/wedding/onboard?product=WEDDING_PLANNING"},"updatedAt":"2024-02-05T16:42:09.438Z"},{"type":"articlePage","topic":{"name":"Relationship advice","slug":"relationship-advice"},"subtopic":{"name":"Newlywed couples","slug":"newlywed-couples"},"slug":"tax-changes-newlyweds-need-to-make","title":"3 Tax Changes Newlyweds Need to Make ","excerpt":"Now that your married, your taxes will change. Get started and keep it simple with our top three tax tips for newlyweds.","author":"Emily Forrest","publishedAt":"2019-07-24T20:17:44.584Z","heroImage":{"src":"//images.ctfassets.net/77l22z9el0aa/4gY9UJXfEZ0TgCOomBz8Gp/8c8cbc1d73fc19228ce80506f5e7ac8a/3-Tax-Changes-Newlyweds-Need-to-Make.jpg","altText":"newlyweds prepare for taxes"},"heroCredit":"Zola","body":"---\n*__Sponsored Content. We may earn compensation if you click the links or buttons below.__*\n\n---","tag":"Inspiration","sponsorCta":{"copy":"Get Started","url":"https://blog.visor.com/life/married-tax-filing/?utm_source=bd&utm_campaign=zola&utm_medium=partner"},"sponsorName":"Visor","sponsorAbout":"Visor pairs you with a dedicated tax professional to guide you to maximum tax savings and prepare your tax return. You just need to answer a few questions, send in your forms and we'll work until we find every last deduction. With Visor, having your own tax advisor just became affordable!","sponsoredBottomContent":"Post-wedding life is blissful, no doubt. There are, however, a few logistics to figure out now that you’re [officially married](https://www.zola.com/expert-advice/how-to-plan-a-wedding-on-a-budget). One thing that’s always unavoidable? Taxes. You’re no longer just making tax decisions for yourself. Now you have to consider your spouse, their income, deductions, and all of that other stuff. Don’t worry—it doesn’t have to be difficult. Here are some [newlywed tax tips](https://blog.visor.com/life/married-tax-filing/?utm_source=bd&utm_campaign=zola&utm_medium=partner) to keep in mind. \n\n## Update Your Legal Name\nIf you [changed your name after marriage](https://www.zola.com/expert-advice/name-change-after-marriage), you want to first make sure that’s reflected with the Social Security Administration. (This is actually the first step to legally changing your name so you’ll have to do this if you want to change your name anyway.) You want the name on your Social Security Card to match the name on your tax return. Your SSN will stay the same.\n\nVisit your local SSA office to fill out an SS-5 form to get the ball rolling. If you aren’t changing your name after your wedding, you don’t need to file with the SSA.\n\n## How to File Your Taxes as Newlyweds\nNo matter what you have to change your tax filing status from single to married. However, that doesn’t mean you have to file jointly. You file either as married filing separately or married filing jointly. Easy enough! But which to choose?\n\n### Joint Filing v. Separate Filing\nThe decision to either file jointly or separately is one you and your new spouse will come together to decide—yes, you both have to choose the same status. There are pros and cons to both options.\n\n#### Reasons to File Jointly\nMany newlyweds choose to file jointly, which means you’ll file one tax return that includes all of your collective tax information. There are some real benefits to this\n\n- Tax rates are generally more favorable to married persons. That means it’s possible to actually earn more income as a couple and still stay in a lower tax bracket (versus you as a single individual). Tax brackets are larger for married persons than single persons.\n\n- It’s easier. When you file jointly, you only have to complete one tax return. So, you also don’t have to decide which of you takes each deduction. \n\n- All tax benefits are available to married individuals that file jointly. This isn’t true for couples who file separately. It’s possible that if you are trying to claim certain favorable tax benefits such as earned income credit, for example, you might not be able to if you file separately. It all has to do with total income.\n\n#### Reasons to File Separately\nThere are still plenty of benefits available to those individuals filing with lower income (separate income is typically always lower than joint, of course). This, however, depends more on your state laws. So, you'll want to work with an expert who can help you best understand what you're working with.\n\n- You aren’t liable for your spouse’s financial missteps. When you file jointly, you and your partner are both equally liable for whatever information that tax return contains. So, if you’re partner fails to report income, for example, you could be held personally accountable for that, too. Similarly, if your spouse has defaulted on student loans or owes child support, you will also shoulder that burden via a joint refund. A separate return eliminates that risk.\n\n- There are certain financial benefits to filing with a lower income. Some healthcare expenses, for example, may allow you to deduct an amount only if it exceeds a certain percentage of your total income. Someone with a lower income would have an easier time reaching that percentage than someone with a higher income.\n\nThis is certainly not a decision to make lightly and also not one to make if you really aren’t sure you completely understand the benefits and downsides of each. [Tax experts](https://www.zola.com/expert-advice/to-dos-after-you-get-engaged) can help you make the best decision for your family and circumstances.\n\n## File a New W-4\nNow that you’re married, you need to file a new W-4 to update your withholding allowances. This basically determines the amount of income tax your employer should withhold from your paychecks. \n\nOn the plus side, you will likely enjoy fewer deductions now that you’re in a more favorable tax bracket. It’s actually possible for couples filing jointly to earn twice as much money while remaining in the same tax bracket. That said, you need to make sure you don’t go overboard.\n\nIn the absolute simplest terms, the more allowances you have, the less tax is withheld. Your employer can’t account for your new tax liability, though. If you and your spouse both increase your allowances to a point that you don’t pay enough tax to cover your responsibility, you could face a penalty. \n\nNo matter what tax choices you decide on as a couple, figuring out what routes are truly most beneficial for you as a couple isn’t easy. This is taxes after all. Consult an expert who can help you make empowered and effective decisions together.","sponsorLogoImage":{"src":"//images.ctfassets.net/77l22z9el0aa/4G83Sdqc9QQpZk2BhZxn0Y/8a33358d7948eca99641e6a3671d5270/Logotype_Blue_Resize_.jpg","altText":"VISOR"},"updatedAt":"2024-02-05T16:42:08.554Z"},{"type":"articlePage","topic":{"name":"Relationship advice","slug":"relationship-advice"},"subtopic":{"name":"Newlywed couples","slug":"newlywed-couples"},"slug":"renters-insurance-guide","title":"Who Needs Renters Insurance?","excerpt":"If you pay rent, you need renters insurance. If you have a property, you can't afford to replace, you need renters insurance.","author":"Logan Sachon","publishedAt":"2019-04-23T19:44:48.226Z","heroImage":{"src":"//images.ctfassets.net/77l22z9el0aa/1j5e1UF4AWnrM0xaND2Y0D/4ec638409ff43f4b1ae455b32def3d7d/Screen_Shot_2019-04-23_at_3.43.43_PM.png","altText":"Newlywed Hallway "},"heroCredit":"Zola","body":"---\n*__Sponsored Content. We may earn compensation if you click the links or buttons below.__*\n\n---\n","tag":"Inspiration","widget1":{"marketingModule":{"tag":"EA_Masterbrand"}},"nextUp":[{"excerpt":"You can get renters insurance entirely without speaking to anyone else: Some insurers automate the whole process through an app or website.","title":"How to Buy Renters Insurance","slug":"buy-renters-insurance","topic":"Relationship advice","tag":"Insurance","heroImage":{"src":"//images.ctfassets.net/77l22z9el0aa/3CBvs2qr3gfoYCtepw4Wxp/09786315f76ae4ab21ce6e393f230cac/Screen_Shot_2019-04-23_at_12.27.36_PM.png","altText":"Modern Bathroom newlywed family insurance finances"},"type":"articlePage"},{"excerpt":"Whether you’re shopping for homeowners insurance for the first time or swapping out one policy for another, you want coverage that suits your needs and doesn’t break the bank.\n","title":"How to Buy Homeowners Insurance","slug":"homeowners-insurance","topic":"Relationship advice","tag":"Insurance","heroImage":{"src":"//images.ctfassets.net/77l22z9el0aa/1z9PaCVenV0v0k7boixqPB/542c19d0ba8c00b7b43fb9f1913288c3/How-to-Buy-Homeowners-Insurance.jpg","altText":"Newlywed Bathroom"},"type":"articlePage"},{"excerpt":"Save time and hassle by shopping for policies together to protect your family’s future. ","title":"How Spouses Can Shop For Life Insurance","slug":"life-insurance-for-spouses","topic":"Relationship advice","tag":"Insurance","heroImage":{"src":"//images.ctfassets.net/77l22z9el0aa/3UP5QnA0dtkzhOs6K6R4MX/c2acb57b91a6f8cca8e6e8ef437d0f40/Hero_Unsplash_RenataVanaga.jpg","altText":"How Spouses Can Shop For Life Insurance"},"type":"articlePage"},{"excerpt":"There are several ways to protect your whole family with life insurance, and we can walk you through your options.","title":"How To Buy Family Life Insurance","slug":"buying-family-life-insurance","topic":"Relationship advice","tag":"How-To ","heroImage":{"src":"//images.ctfassets.net/77l22z9el0aa/5URGFGnFMiwOJVfkKihdJF/05c702980671702930fcdd96bbb9dd24/Hero_Pexels_WilliamFortunato.jpg","altText":"Spring Wedding Portrait"},"type":"articlePage"}],"featured":[{"excerpt":"In Zola’s First Look Report, over 3,000 engaged couples shared the wedding traditions that they’re keeping, leaving, and are split on for their 2022 weddings. Here’s what they had to say.","title":"The Wedding Traditions We'll See in 2022—And The Ones We Won't","slug":"wedding-traditions-that-couples-are-having-at-their-weddings","topic":"Wedding planning 101","tag":"List","heroImage":{"src":"//images.ctfassets.net/77l22z9el0aa/ZoJaS144DGGadbTjRl0dC/bd26005567dd6dbcf9bdb5edf5672843/07.jpeg","altText":"2022 Wedding Traditions"},"type":"articlePage"},{"excerpt":"Discover the fun of the Newlywed Game! Learn about this hilarious couples' quiz and explore 90 fun question ideas to spark laughter and connection.","title":"90 Newlywed Game Questions + How to Play ","slug":"newlywed-game-questions","topic":"Relationship advice","tag":"How To","heroImage":{"src":"//images.ctfassets.net/77l22z9el0aa/52V5uHBjKrW0n37KCJYM8B/66c90aa85915c9cb64388852413295d5/newlywed-games-hero.jpg","altText":"Zola"},"type":"articlePage"},{"excerpt":"Do you want to create a wedding album yourself? We've got you covered! Continue reading to learn how to make your own wedding album online.","title":"How to Make a Personalized Wedding Photo Album","slug":"how-to-make-a-personalized-wedding-photo-album","topic":"Relationship advice","tag":"How-To ","heroImage":{"src":"//images.ctfassets.net/77l22z9el0aa/1XvW9gsQD7iIUS29r0VsFu/0117707c53a14d3c6b808ab19f1d3bae/Hero_Zola.jpg","altText":"How to Make a Personalized Wedding Photo Album"},"type":"articlePage"},{"excerpt":"Just engaged and wondering what’s next? A lot goes into wedding planning, but you don’t have to do it all at once. Here are the must-do to-dos after getting engaged.","title":"Just Engaged? Here’s What To Do Next!","slug":"to-dos-after-you-get-engaged","topic":"Getting engaged","tag":"Inspiration","heroImage":{"src":"//images.ctfassets.net/77l22z9el0aa/6KWedC7RqcjzNqK8zy0LoU/286c6acfc830a30a9ac4d274ebf14501/Hero_New.jpg","altText":"Illustration graphic of an engagement ring box with a wedding ring and shine marks to indicate sparkle"},"type":"articlePage"}],"sponsorCta":{"copy":"Get Started","url":"https://policygenius.go2cloud.org/aff_c?offer_id=70&aff_id=1582&redirect_slug=zola-renters"},"sponsorName":"Policygenius","sponsorAbout":"*Policygenius makes it easy to compare and buy insurance. Since 2014, they have helped over 4.5 million people shop for insurance, and protected customers with over $20 billion in coverage. The team is driven by one simple mission: “To get people the insurance coverage they need and make them feel good about it.\"*","sponsoredBottomContent":"If you pay rent, you need renters insurance. If you have property you can't afford to replace, you need renters insurance.\n\nRenters insurance [protects your stuff](https://policygenius.go2cloud.org/aff_c?offer_id=70&aff_id=1582&redirect_slug=renters-insurance/how-does-renters-insurance-work) if it’s damaged, stolen or destroyed by a covered event, and it protects your liability if you accidentally hurt someone or they accidentally get hurt at your home and sue you.\n\nIt’s an [essential way to protect yourself](https://policygenius.go2cloud.org/aff_c?offer_id=70&aff_id=1582&redirect_slug=renters-insurance/is-renters-insurance-worth-it) and your personal belongings. But very few landlords require it, and just 40% of renters have it. So do you need renters insurance? Probably — and the 60% of renters who don’t have it very likely need it, too.\n\n## Why do I need renters insurance?\n\nRenters insurance is important because it means you won’t have to pay to replace any property you lose in a covered peril, such as fire, [theft](https://policygenius.go2cloud.org/aff_c?offer_id=70&aff_id=1582&redirect_slug=renters-insurance/does-renters-insurance-cover-theft), or some kinds of [water damage](https://policygenius.go2cloud.org/aff_c?offer_id=70&aff_id=1582&redirect_slug=renters-insurance/does-renters-insurance-cover-water-damage). You’ll also be reimbursed for some of the medical and legal expenses you’re responsible for if a guest is injured in your house or apartment.\n\nThese costs can add up. If you don’t think you can afford to replace your expensive personal belongings out of pocket, then you need renters insurance. It’s [very affordable](https://policygenius.go2cloud.org/aff_c?offer_id=132&aff_id=1582&redirect_slug=renters-insurance/learn/how-much-is-renters-insurance), too. Many people pay between just $10 to $15 per month for full coverage of all their stuff.\nYour renters insurance needs vary depending on your living situation.\n\n### Your landlord requires coverage\nLandlords frequently add getting renters insurance to the signing terms of your lease agreement. They may even specify the amount of coverage you need to purchase.\n\nYour landlord has [a form of homeowners insurance](https://policygenius.go2cloud.org/aff_c?offer_id=70&aff_id=1582&redirect_slug=renters-insurance/landlord-insurance) that covers damage to the building, but you may be liable for damage not covered by his or her policy. In that case, your renters insurance coverage could pick up some of the liability costs.\n\n### Your roommate has coverage, but you don’t\nIf you live in a shared house and your [roommate has renters insurance](https://www.policygenius.com/renters-insurance/should-roommates-share-renters-insurance), you are only covered by his or her policy if your roommate adds you as a named insured.\n\nBut it’s worth it to purchase [your own policy](https://policygenius.go2cloud.org/aff_c?offer_id=70&aff_id=1582&redirect_slug=renters-insurance/whats-included-on-a-renters-insurance-policy) instead. If you are added to your roommate’s policy, you’d also have to navigate the claims process together and your own claims could affect your roommate’s insurance rates in the future. With your own policy, you can make sure you’re getting enough coverage for yourself.\n\n### You live in a disaster-prone or high-crime area\nThere are many covered perils in your renters insurance policy. These are the situations for which you’re eligible to receive reimbursement if one of their causes your loss. Covered perils, also called named perils, include everything from bad weather ([windstorms](https://policygenius.go2cloud.org/aff_c?offer_id=70&aff_id=1582&redirect_slug=renters-insurance/does-renters-insurance-cover-hurricane-damage), hail, lightning) to elemental hazards ([fire](https://policygenius.go2cloud.org/aff_c?offer_id=70&aff_id=1582&redirect_slug=renters-insurance/does-renters-insurance-cover-fires), smoke, ice) to dangerous human activity (riots, vandalism, car accidents).\n\nIf your policy doesn’t include a certain peril, then it likely isn’t covered. Fortunately, renters insurance companies offer an [all-perils policy](https://policygenius.go2cloud.org/aff_c?offer_id=70&aff_id=1582&redirect_slug=renters-insurance/all-risk-policies-vs-named-perils-policies) that essentially covers anything under the sun.\n\n### You’re a pet owner\nYour renters insurance policy’s liability coverage protects you when your [pet](https://policygenius.go2cloud.org/aff_c?offer_id=70&aff_id=1582&redirect_slug=renters-insurance/renters-insurance-and-pets) injures a guest under its provision for medical payments to others. This could include everything from dog bites to allergic reactions to those tiny fibers your pet tarantula launches at people it doesn’t know.\nNote that having an especially dangerous pet, [like a pit bull](https://policygenius.go2cloud.org/aff_c?offer_id=70&aff_id=1582&redirect_slug=renters-insurance/renters-insurance-and-pit-bulls), can cause your premium rates to increase.\n\n### You work from home\nIf you [work from home](https://policygenius.go2cloud.org/aff_c?offer_id=70&aff_id=1582&redirect_slug=renters-insurance/renters-insurance-for-freelancers), you do have coverage for anything you use for business, but it could be restricted to a certain dollar amount. These restrictions are called limits of liability, and you may be able to purchase a rider, or a separate commercial property policy, to make sure your business-related belongings are covered.\n\n## Who doesn’t need renters insurance?\n\nRenters insurance can save you a financial headache, but not everyone needs coverage. Homeowners especially: if you own your home, you need [homeowners insurance, not renters](https://policygenius.go2cloud.org/aff_c?offer_id=70&aff_id=1582&redirect_slug=renters-insurance/homeowners-insurance-vs-renters-insurance). But there are a couple of other situations in which you may already have renters insurance coverage.\n\n### People who live with their parents\nIf your parents already have renters insurance, then you’re already covered [by their policy](https://policygenius.go2cloud.org/aff_c?offer_id=70&aff_id=1582&redirect_slug=renters-insurance/do-i-need-renters-insurance-if-i-live-with-my-parents). In fact, any blood relatives who live in the insured residence enjoy this coverage.\n\n### College students, sometimes\nYour parents’ renters insurance policy continues to cover you when you live in [on-campus housing](https://www.policygenius.com/renters-insurance/renters-insurance-for-college-students/) or dorms, up until a certain age (usually 24 or 25). Some limits of coverage may apply.\n\n## Who probably needs renters insurance?\n\nIn some situations, whether you need renters insurance is a grey area. You may still need to protect your property, but you may not have a permanent address or you may be using your current residence for various personal and business ventures that renters insurance may not cover.\n\n### Subletters\nYou can get renters insurance if you’re [not on a lease](https://policygenius.go2cloud.org/aff_c?offer_id=70&aff_id=1582&redirect_slug=renters-insurance/renters-insurance-without-a-lease). Whether your landlord lets you stay at the apartment off the books, or if you’re taking an empty room in another renter’s home, you may need coverage.\n\nYou won’t be covered by the leaseholder’s policy unless he or she adds you as an [additional insured](https://policygenius.go2cloud.org/aff_c?offer_id=70&aff_id=1582&redirect_slug=renters-insurance/what-is-a-renters-insurance-interested-party) (also called a named insured). If you plan on subletting for a long time, or if you have a lot of valuable possessions, you should get renters insurance.\n\n### Airbnb hosts\nAirbnb offers two types of insurance:\n- host protection insurance, which protects you from injuries your guest incurs while staying in your home; and\n- the host guarantee, which isn’t technically insurance but could reimburse some costs for property damaged or destroyed by your guest.\n\nTake a look at the terms of Airbnb’s coverage. If they’re not robust enough for you, your renters insurance could fill in the gaps.\n\nIf you regularly rent out a room in your home, your renters insurance will cover your stuff, but not any of your guests’ stuff. You may also have liability coverage if your guest causes bodily injury or property damage to someone else, but it could be limited by the terms of the policy.\nHowever, if you don’t live in the home, your renters insurance doesn’t cover it at all. For that, you may need to get [vacation rental insurance](https://policygenius.go2cloud.org/aff_c?offer_id=70&aff_id=1582&redirect_slug=renters-insurance/vacation-rental-insurance) or [short-term rental insurance](https://policygenius.go2cloud.org/aff_c?offer_id=70&aff_id=1582&redirect_slug=renters-insurance/short-term-rental-insurance).\n\n## Is renters insurance required by law?\nNo city or state requires you to have renters insurance. Most states do allow landlords to require you to get renters insurance as a condition for signing the lease. But, unlike car insurance, you have no legal responsibility to get renters coverage.\n\n## What types of renters insurance coverage do I need?\nWhen you purchase renters insurance, you’re getting several types of coverage in one affordable policy. A [licensed representative at Policygenius](https://policygenius.go2cloud.org/aff_c?offer_id=70&aff_id=1582&redirect_slug=renters-insurance) can walk you through the various ways your renters insurance protects you from damage and loss and help you choose a policy that fully meets your needs.\n\n### Personal property coverage\n[Provides protection](https://policygenius.go2cloud.org/aff_c?offer_id=70&aff_id=1582&redirect_slug=renters-insurance/renters-personal-property-insurance) for your personal possessions. Policies either provide the [replacement-cost value](https://policygenius.go2cloud.org/aff_c?offer_id=70&aff_id=1582&redirect_slug=renters-insurance/learn/replacement-cost-renters-insurance) or the [actual cash value](https://policygenius.go2cloud.org/aff_c?offer_id=70&aff_id=1582&redirect_slug=renters-insurance/learn/actual-cash-value-renters-insurance) of your belongings after a loss. Replacement cost value is the cost to replace the item. Actual cash value is the replacement cost value minus depreciation. Replacement cost value policies are more robust, but actual cash value policies are much cheaper.\n\n### Liability coverage and medical payments to others\nLiability insurance [provides protection](https://policygenius.go2cloud.org/aff_c?offer_id=70&aff_id=1582&redirect_slug=renters-insurance/renters-liability-insurance) if you’re responsible for someone getting hurt and he or she sues you. Medical payments to others coverage helps pay their medical bills.\n\n### Loss-of-use coverage\nPays for [additional living expenses](https://policygenius.go2cloud.org/aff_c?offer_id=70&aff_id=1582&redirect_slug=renters-insurance/loss-of-use-renters-insurance) if you need to stay somewhere else because your home is unlivable due to a covered peril.\n\n### Coverages not included\nYou may need to add some additional coverages to your renters insurance since they’re excluded from the basic policy. Exclusions include floods (you need [flood insurance](https://policygenius.go2cloud.org/aff_c?offer_id=70&aff_id=1582&redirect_slug=renters-insurance/what-renters-need-to-know-about-flood-insurance)) and earthquakes (you need a separate [earthquake rider or endorsement](https://www.policygenius.com/renters-insurance/does-renters-insurance-cover-earthquakes/)).\n\nSome types of property are also excluded or have low limits of liability. You may need to add coverage for items like [jewelry](https://policygenius.go2cloud.org/aff_c?offer_id=70&aff_id=1582&redirect_slug=renters-insurance/does-renters-insurance-cover-jewelry) and firearms, which is called scheduling property.\n\n## How much renters insurance do I need?\n\nAdd up the value of your personal property. Then, try to calculate how much you can afford to pay out of pocket if a guest gets seriously injured in your home. Without renters insurance, you could struggle financially to pay these costs.\n\nEach component of renters insurance has its own maximum coverage amount. Typical coverage maximums include:\n- $10,000 to $25,000 for personal property coverage;\n- $100,000 to $300,000 for personal liability coverage;\n- $1,000 to $3,000 for medical payments to others; and\n- $3,000 to $10,000 for loss-of-use coverage.\n\nIf you [need more than that](https://policygenius.go2cloud.org/aff_c?offer_id=70&aff_id=1582&redirect_slug=renters-insurance/learn/how-much-renters-insurance-do-i-need) – or less than that – tell your insurer, and your premiums will be adjusted accordingly\n\n*This [article](https://www.policygenius.com/renters-insurance/who-needs-renters-insurance/) originally appeared on Policygenius*\n","sponsorLogoImage":{"src":"//images.ctfassets.net/77l22z9el0aa/6kXJCJM1wvWm1imwec2NwY/7e454b4e582352ed6be4ddd306526ef7/PG.Logo.RGB.Black_Resize_.png","altText":"Policygenius"},"stickyCta":{"copy":"Start Planning With Zola","url":"https://www.zola.com/wedding/onboard?product=WEDDING_PLANNING"},"updatedAt":"2024-02-05T16:42:07.667Z"},{"type":"articlePage","topic":{"name":"Relationship advice","slug":"relationship-advice"},"subtopic":{"name":"Newlywed couples","slug":"newlywed-couples"},"slug":"buying-family-life-insurance","title":"How To Buy Family Life Insurance","excerpt":"There are several ways to protect your whole family with life insurance, and we can walk you through your options.","author":"Logan Sachon","publishedAt":"2019-04-23T19:01:27.922Z","heroImage":{"src":"//images.ctfassets.net/77l22z9el0aa/5URGFGnFMiwOJVfkKihdJF/05c702980671702930fcdd96bbb9dd24/Hero_Pexels_WilliamFortunato.jpg","altText":"Spring Wedding Portrait"},"heroCredit":"William Fortunato","heroCreditUrl":"https://www.zola.com/inspiration/wedding-photographers/catherine-ann-photography","body":"---\n*__Sponsored Content. We may earn compensation if you click the links or buttons below.__*\n\n---\n","tag":"How-To ","widget1":{"marketingModule":{"tag":"EA_Masterbrand"}},"nextUp":[{"excerpt":"From financial planning and taxes to insurance and legal documents, follow this 10-step list to help you get your newlywed life up and running smoothly in no time. \n","title":"10 Things You Should Do as a Newlywed","slug":"10-things-you-should-do-as-a-newlywed","topic":"Relationship advice","tag":"List","heroImage":{"src":"//images.ctfassets.net/77l22z9el0aa/7ouLurjdpXyrD5Wf448iu6/e0004f2020a3752a6fb4e111f3431d4e/pexels-hong-son-5542265.jpg","altText":"newlywed couple man and woman embracing and touching foreheads right after their wedding ceremony"},"type":"articlePage"},{"excerpt":"The thank-you notes are mailed, the honeymoon is over, and you and your partner are finally starting your lives together. Buying your first home is a major hurdle, but with some smart planning, you can land the home of your dreams and stay within your budget.","title":"Best Ways To Start Saving For Your First Home Together","slug":"best-ways-to-save-for-your-first-home-together","topic":"Relationship advice","tag":"Finances","heroImage":{"src":"//images.ctfassets.net/77l22z9el0aa/70KKW81Cmcfz9HH1mctp8L/1c3d41a8e0b33477e944659ea2ba3027/Hero_New.jpg","altText":"happy couple first dance "},"type":"articlePage"},{"excerpt":"Traditionally, first year anniversary gifts fall into the paper theme. Make paper feel special and valuable with our picks for the best paper first year anniversary gifts.","title":"First Year Anniversary Gifts That Make Paper Feel Special","slug":"first-year-anniversary-gifts","topic":"Relationship advice","tag":"Inspiration","heroImage":{"src":"//images.ctfassets.net/77l22z9el0aa/15niRmv2ew4mXPccG8wJpH/767aa5aa99190c860a13e515ff83c26e/Hero_New.jpg","altText":"bride and groom celebrate wedding day outside"},"type":"articlePage"},{"excerpt":"10? 50? 100? Everything you need to know about how many photos to include in your wedding album","title":"How Many Photos Should Be In A Wedding Album?","slug":"how-many-photos-should-be-in-a-wedding-album","topic":"Relationship advice","tag":"Advice","heroImage":{"src":"//images.ctfassets.net/77l22z9el0aa/4G33dun0UeAqLdImhm6Bcy/6778f43902b384e0045c253ee92ddb71/Hero_Zola.jpg","altText":"How Many Photos Should Be In A Wedding Album?"},"type":"articlePage"}],"featured":[{"excerpt":"There are so many different wedding albums to choose from, but which one is the best, and how much does it cost? ","title":"How Much Do Wedding Albums Cost?","slug":"how-much-do-wedding-albums-cost-zola","topic":"Venues & vendors","tag":"Advice","heroImage":{"src":"//images.ctfassets.net/77l22z9el0aa/61qh9yAMoLsVx1fjzgBiX/a36d1ffd8a6256a7c961d4fec5d43ca4/Hero_Zola.jpg","altText":"wedding albums cost"},"type":"articlePage"},{"excerpt":"Save time and hassle by shopping for policies together to protect your family’s future. ","title":"How Spouses Can Shop For Life Insurance","slug":"life-insurance-for-spouses","topic":"Relationship advice","tag":"Insurance","heroImage":{"src":"//images.ctfassets.net/77l22z9el0aa/3UP5QnA0dtkzhOs6K6R4MX/c2acb57b91a6f8cca8e6e8ef437d0f40/Hero_Unsplash_RenataVanaga.jpg","altText":"How Spouses Can Shop For Life Insurance"},"type":"articlePage"},{"excerpt":"You can get renters insurance entirely without speaking to anyone else: Some insurers automate the whole process through an app or website.","title":"How to Buy Renters Insurance","slug":"buy-renters-insurance","topic":"Relationship advice","tag":"Insurance","heroImage":{"src":"//images.ctfassets.net/77l22z9el0aa/3CBvs2qr3gfoYCtepw4Wxp/09786315f76ae4ab21ce6e393f230cac/Screen_Shot_2019-04-23_at_12.27.36_PM.png","altText":"Modern Bathroom newlywed family insurance finances"},"type":"articlePage"},{"excerpt":"Whether you’re shopping for homeowners insurance for the first time or swapping out one policy for another, you want coverage that suits your needs and doesn’t break the bank.\n","title":"How to Buy Homeowners Insurance","slug":"homeowners-insurance","topic":"Relationship advice","tag":"Insurance","heroImage":{"src":"//images.ctfassets.net/77l22z9el0aa/1z9PaCVenV0v0k7boixqPB/542c19d0ba8c00b7b43fb9f1913288c3/How-to-Buy-Homeowners-Insurance.jpg","altText":"Newlywed Bathroom"},"type":"articlePage"}],"sponsorCta":{"copy":"Get Started","url":"https://policygenius.go2cloud.org/aff_c?offer_id=120&aff_id=1582&redirect_slug=zola-homeowners"},"sponsorName":"Policygenius","sponsorAbout":"*Policygenius makes it easy to compare and buy insurance. Since 2014, they have helped over 4.5 million people shop for insurance, and protected customers with over $20 billion in coverage. The team is driven by one simple mission: “To get people the insurance coverage they need and make them feel good about it.\"*","sponsoredBottomContent":"The family that buys life insurance together, stays together, right? That’s not your typical cliche, but a lot of people believe it. \n\nIf you’re buying life insurance for yourself, they think, why not try to get it for everyone? But is it possible to buy life insurance for your entire family, partner and children included? And is it advisable? And can you buy it all from the same insurance company? There are several ways to protect your whole family with life insurance, and we can walk you through your options:\n\n## Buying life insurance for yourself\n\nFor many people thinking about life insurance, the first step is to purchase a policy that will cover yourself — or more accurately, provide a death benefit for your family — in case you die. This is easiest and most straightforward type of life insurance to purchase, because it just requires you applying and doesn’t involve your spouse. You can choose between term insurance and permanent insurance, though term insurance is the right choice for 80% to 90% of people.\n\nWe can help you start the process right now by [easily getting and comparing free life insurance quotes](https://policygenius.go2cloud.org/aff_c?offer_id=132&aff_id=1582&redirect_slug=life-insurance).\n\n## Buying life insurance for your partner\n\nOnce you have life insurance for yourself, the next logical question is, should you buy life insurance coverage for your partner as well?\nFor many people, the answer is yes. Even if your partner stays at home and doesn’t bring in an income, they likely perform important work would that you would have to pay someone else to do in the event of their death (think: childcare). But what is the best way to cover your partner? There are two options: separate and joint policies.\n\n[Joint life insurance policies](https://www.policygenius.com/life-insurance/joint-life-insurance/) are policies that cover both people in a marriage. These are typically permanent universal life insurance policies, meaning they are hybrid products that combine insurance with some type of savings or investment component, called the “cash value,” though joint term policies also exist.\n\nThere are two kinds of joint policies: first-to-die life insurance, which pays the death benefit after the first spouse dies, and second-to-die life insurance, which pays the death benefit after the second spouse dies (these are most useful to pay estate taxes or for inheritance planning).\n\nJoint policies, especially second-to-die policies, can be cheaper overall if one of the spouses is in poor health, but because most joint policies are permanent life insurance, the premiums are generally more expensive than term policies. It’s also important to note that both spouses still have to go through underwriting and take a medical exam to buy joint life policies.\n\nSeparate life insurance policies are just what they sound like: you and your spouse each get your own separate policies and each pay your own separate life insurance premiums. Separate policies are a better idea for most people, but it’s worth talking to an insurance agent about both options. For example, if one spouse has a pre-existing medical condition or is in ill health, a separate policy for that spouse may be too expensive or even impossible, but a joint policy could be an option.\n\n## Buying life insurance for your kids\n\nWhile most people don’t buy life insurance for their kids — and don’t need to — there can be legitimate reasons to buy children’s life insurance. For example, a small lump sum death benefit in case of a child’s death can help parents pay for funeral expenses and can help them take time off work to grieve. While no kid needs a million dollar life insurance policy, a small death benefit of a few thousand dollars can make a huge difference.\n\nThere are two major ways to buy life insurance for children. You can either buy a specialized child life insurance policy or you can purchase a child rider for your term life insurance policy.\n\nChild life insurance policies are basically whole life insurance policies with a different marketing spin. Whole life policies, a type of permanent life insurance, are both life insurance policies and a savings vehicle. Many salespeople convince parents to buy child life insurance policies with the idea that it will help their child pay for college, or otherwise build a nest egg for their child once they become a young adult. But child life insurance is not a good investment or savings vehicle, especially if you want to save for college.\n\nThere is, however, one exception to the rule. If your child is highly likely to develop a medical condition that would make buying life insurance later in life more difficult, then you should consider buying a child life insurance policy for them now. This protects their insurability for the future.\n\nChild riders on your term life insurance policy make a lot more sense. Child riders are additions parents can add to their own policy and are relatively cheap — often only $5 per year for every $1,000 of coverage. That puts the cost of $10,000 of coverage at about $4.17 per month. On top of that, a single child rider will usually cover all of the children in your household. Child life insurance policies, on the other hand, operate on a per-child basis. This makes child riders significantly less expensive than child life insurance.\n\nLearn more about [buying life insurance for children.](https://www.policygenius.com/life-insurance/life-insurance-for-children/)\n\n## Buying life insurance for your parents\n\nThere may be another branch of the family you’re thinking about covering: your parents. And you may have very legitimate reasons for wanting to buy life insurance coverage for then, especially if they have cosigned loans with you, are helping you with tuition or other payments, or provide childcare.\n\nBut can you buy life insurance policies for your parents? The short answer is no, you can’t. (For the long answer, read more about [buying life insurance for your parents](https://www.policygenius.com/life-insurance/buying-life-insurance-for-your-parents/).) In order to buy a life insurance policy on someone else, you have to be able to prove insurable interest, and that’s simply very difficult for adult children to prove.\nWhat you can do, however, is ask your parents to apply for their own policies and you could pay the premiums for them. They can own the policy and name you as a beneficiary.\n\nWith a term life insurance policy for every adult in the house and a single child rider for all of the children, the entire family is covered. Term life insurance can protect your family from the costs of unexpected death — funeral costs, an unfinished mortgage, unpaid student loan debt, lost income, future college savings — and a child rider can help parents take time to grieve without worrying about money. Taken together, these two tools help protect the whole family in the event that one of their family members passes away prematurely.\n\n*This [article](https://www.policygenius.com/life-insurance/how-to-buy-family-life-insurance/) originally appeared on Policygenius*.","sponsorLogoImage":{"src":"//images.ctfassets.net/77l22z9el0aa/6kXJCJM1wvWm1imwec2NwY/7e454b4e582352ed6be4ddd306526ef7/PG.Logo.RGB.Black_Resize_.png","altText":"Policygenius"},"stickyCta":{"copy":"Start Planning With Zola","url":"https://www.zola.com/wedding/onboard?product=WEDDING_PLANNING"},"updatedAt":"2024-02-05T16:42:06.800Z"},{"type":"articlePage","topic":{"name":"Relationship advice","slug":"relationship-advice"},"subtopic":{"name":"Newlywed couples","slug":"newlywed-couples"},"slug":"building-newlywed-budget-guide-to-do","title":"Here's How To Build Your Best-Ever Newlywed Budget","excerpt":"From small expenses to big-picture financial decisions, here's how you and your new spouse can build your best budget together.","publishedAt":"2019-04-23T18:56:16.013Z","heroImage":{"src":"//images.ctfassets.net/77l22z9el0aa/1yvX42mC46GPKPGoxcAj0R/53ed4452ffc93ab0dc692a02e16cdf39/Hero_New.jpg","altText":"Grooms Wedding Portrait"},"heroCredit":"Chris Ferenzi Photography","heroCreditUrl":"https://www.zola.com/inspiration/wedding-photographers/chris-ferenzi-photography","body":"After marriage, many aspects of your daily life will need to change as you learn to live in tandem with someone else. One of these is how you handle spending money: from small expenses like your daily latte habit to big-picture financial decisions like buying a home or saving for retirement, you and your new spouse should strive to become open, honest, and comfortable when it comes to discussing money. While you might have different backgrounds and approaches towards saving versus spending, finding common ground for how to manage your income, set financial goals for the future, and put a reasonable budget in place to achieve those goals is key for establishing a peaceful, trustworthy, and happy marriage (and life) together. \n\n*\"Right after we got married we sat down and started splitting up household tasks and responsibilities and budgeting for them. There were no more mine our yours costs or responsibilities -- they were all ours and we used a joint app to track them and make sure we were on top of them together\" -- Emily, Zola User, October 2017*\n\n---\n*__Content by our partners at YNAB. We may earn compensation if you click the button below.__*\n\n---\n","tag":"Budgeting","widget1":{"marketingModule":{"tag":"EA_Masterbrand"}},"sponsorCta":{"copy":"Get Started","url":"https://www.youneedabudget.com/?utm_medium=affiliate&utm_source=zola.com&utm_campaign=zola"},"sponsorName":"YNAB","sponsorAbout":"You Need A Budget (YNAB) is a software and education company that helps people gain total control of their money, and in doing so, their lives.","sponsoredBottomContent":"## The Smartest Wedding Gift Ever \n70 percent of couples report money as the thing they fight about most—with frivolous purchases, household budgeting, and credit card debt cited as the biggest sources of friction. Of course, couples fight about all kinds of different things, but above all else, the frequency of money disputes are the #1 best predictor of divorce. If you and your honey fight about money, not to worry—there are really [just three steps](https://www.youneedabudget.com/best-wedding-gift-ever/?utm_medium=affiliate&utm_source=zola.com&utm_campaign=zola) to changing the way you and your partner handle money...\n\n## Financial Intimacy: Why Money Talk Is What Your Love Life Is Missing\n \nThe problem is, that whether or not you talk about it, money will impact so many different areas of your life together. If you live your life with a committed partner, the best thing you can do for your relationship is talk about money. If you find it hard to talk about money with your partner, you fight about money, or even if you’re just living a shared life with separate finances, [read on](https://www.youneedabudget.com/financially-intimate-why-money-talk-is-what-your-love-life-is-missing/?utm_medium=affiliate&utm_source=zola.com&utm_campaign=zola)...\n\n## Best Practices for Separate Finances and a Joint Budget\nOnce you’ve decided that you’re going to take the plunge — you’ve tied the knot, you have joined in all sorts of ways — it’s important that you join finances. But if you’re not quite ready to share everything about your finances with your partner, don’t fret, we’ve got you covered! [Read on](https://www.youneedabudget.com/discussion-best-practices-for-separate-finances-and-joint-budget/?utm_medium=affiliate&utm_source=zola.com&utm_campaign=zola) for our best tips on how you can maintain a joint budget while still keeping your finances separate. \n\n\n\n","sponsorLogoImage":{"src":"//images.ctfassets.net/77l22z9el0aa/76N47ELZJRsaUDyOxPfiXW/43f6e9f3704732889e159519169ec785/YNAB_Resize_.png","altText":"YNAB"},"stickyCta":{"copy":"Start Planning With Zola","url":"https://www.zola.com/wedding/onboard?product=WEDDING_PLANNING"},"updatedAt":"2024-02-05T16:42:06.045Z"},{"type":"articlePage","topic":{"name":"Relationship advice","slug":"relationship-advice"},"subtopic":{"name":"Newlywed couples","slug":"newlywed-couples"},"slug":"life-insurance-for-spouses","title":"How Spouses Can Shop For Life Insurance","excerpt":"Save time and hassle by shopping for policies together to protect your family’s future. ","author":"Colin Lalley","publishedAt":"2019-04-23T18:57:39.647Z","heroImage":{"src":"//images.ctfassets.net/77l22z9el0aa/3UP5QnA0dtkzhOs6K6R4MX/c2acb57b91a6f8cca8e6e8ef437d0f40/Hero_Unsplash_RenataVanaga.jpg","altText":"How Spouses Can Shop For Life Insurance"},"heroCredit":"Renata Vanaga","heroCreditUrl":"https://www.zola.com/inspiration/wedding-photographers/aaron-watson-photography","body":"---\n*__Sponsored Content. We may earn compensation if you click the links or buttons below.__*\n\n---","tag":"Insurance","widget1":{"marketingModule":{"tag":"EA_Masterbrand"}},"nextUp":[{"excerpt":"There are several ways to protect your whole family with life insurance, and we can walk you through your options.","title":"How To Buy Family Life Insurance","slug":"buying-family-life-insurance","topic":"Relationship advice","tag":"How-To ","heroImage":{"src":"//images.ctfassets.net/77l22z9el0aa/5URGFGnFMiwOJVfkKihdJF/05c702980671702930fcdd96bbb9dd24/Hero_Pexels_WilliamFortunato.jpg","altText":"Spring Wedding Portrait"},"type":"articlePage"},{"excerpt":"Now that your married, your taxes will change. Get started and keep it simple with our top three tax tips for newlyweds.","title":"3 Tax Changes Newlyweds Need to Make ","slug":"tax-changes-newlyweds-need-to-make","topic":"Relationship advice","tag":"Inspiration","heroImage":{"src":"//images.ctfassets.net/77l22z9el0aa/4gY9UJXfEZ0TgCOomBz8Gp/8c8cbc1d73fc19228ce80506f5e7ac8a/3-Tax-Changes-Newlyweds-Need-to-Make.jpg","altText":"newlyweds prepare for taxes"},"type":"articlePage"},{"excerpt":"Finances aren't always the most fun to talk about—but they are necessary, especially for newlyweds. Find out what newlywed finance talks to focus on and how to make the money talk feel easier.","title":"5 Finance Topics Newlyweds Need to Discuss Post-Wedding","slug":"newlywed-finance-discuss-basics","topic":"Relationship advice","tag":"Inspiration","heroImage":{"src":"//images.ctfassets.net/77l22z9el0aa/1ASdp0oY4St83qsQ8l2w6l/632b713007f402c7b446e15010336fc0/5-Finance-Topics-Newlyweds-Need-to-Discuss-Post-Wedding.jpg","altText":"newlywed couple talks finances "},"type":"articlePage"},{"excerpt":"If you’ve never lived together before marriage, moving in can be an adjustment. Here are expert tips on how to communicate, set boundaries, and enjoy your newlywed home.","title":"7 Tips for Moving in Together After Marriage ","slug":"moving-in-together-after-marriage","topic":"Relationship advice","tag":"Inspiration","heroImage":{"src":"//images.ctfassets.net/77l22z9el0aa/3j8BVCfLTf3DR2YhPciwcA/084910eab3e960e055782787ea631353/7-Tips-for-Moving-in-Together-after-marriage.jpg","altText":"newlyweds move in together"},"type":"articlePage"},{"excerpt":"If you’ve never lived together before marriage, moving in can be an adjustment. Here are expert tips on how to communicate, set boundaries, and enjoy your newlywed home.","title":"7 Tips for Moving in Together After Marriage ","slug":"moving-in-together-after-marriage","topic":"Relationship advice","tag":"Inspiration","heroImage":{"src":"//images.ctfassets.net/77l22z9el0aa/3j8BVCfLTf3DR2YhPciwcA/084910eab3e960e055782787ea631353/7-Tips-for-Moving-in-Together-after-marriage.jpg","altText":"newlyweds move in together"},"type":"articlePage"}],"featured":[{"excerpt":"Wanting to show off your wedding photos in cool, not-so-typical ways? Check out our latest list of unique wedding album ideas.","title":"12 Unique Wedding Album Ideas","slug":"12-unique-wedding-album-ideas","topic":"Venues & vendors","tag":"Inspiration","heroImage":{"src":"//images.ctfassets.net/77l22z9el0aa/5heO7kNUjDpTNd7LpS9KOC/570699b76951c7ea2d780c9c346879e2/inline_shutterstock_1_.png","altText":"Unique Wedding Album Ideas"},"type":"articlePage"},{"excerpt":"The thank-you notes are mailed, the honeymoon is over, and you and your partner are finally starting your lives together. Buying your first home is a major hurdle, but with some smart planning, you can land the home of your dreams and stay within your budget.","title":"Best Ways To Start Saving For Your First Home Together","slug":"best-ways-to-save-for-your-first-home-together","topic":"Relationship advice","tag":"Finances","heroImage":{"src":"//images.ctfassets.net/77l22z9el0aa/70KKW81Cmcfz9HH1mctp8L/1c3d41a8e0b33477e944659ea2ba3027/Hero_New.jpg","altText":"happy couple first dance "},"type":"articlePage"},{"excerpt":"Just engaged and wondering what’s next? A lot goes into wedding planning, but you don’t have to do it all at once. Here are the must-do to-dos after getting engaged.","title":"Just Engaged? Here’s What To Do Next!","slug":"to-dos-after-you-get-engaged","topic":"Getting engaged","tag":"Inspiration","heroImage":{"src":"//images.ctfassets.net/77l22z9el0aa/6KWedC7RqcjzNqK8zy0LoU/286c6acfc830a30a9ac4d274ebf14501/Hero_New.jpg","altText":"Illustration graphic of an engagement ring box with a wedding ring and shine marks to indicate sparkle"},"type":"articlePage"},{"excerpt":"Today’s couples are craving experiences instead of gifts. Our date ideas are fabulous to add to your wedding registry to make memories with your love.","title":"12 Fabulous Date Ideas to Put on Your Registry","slug":"12-fabulous-date-ideas-to-put-on-your-registry","topic":"Registry & gifts","tag":"List","heroImage":{"src":"//images.ctfassets.net/77l22z9el0aa/5XFbyLUjyLaqT7gm3RrHDI/8a01b731d6339621e591c9e2915835bd/hannah-busing-zhDREn4OqY8-unsplash.jpg","altText":"Date Ideas to Put on Your Registry"},"type":"articlePage"}],"sponsorCta":{"copy":"Get Started","url":"https://policygenius.go2cloud.org/aff_c?offer_id=132&aff_id=1582&redirect_slug=zola-life"},"sponsorName":"Policygenius","sponsorAbout":"Policygenius makes it easy to compare and buy insurance. Since 2014, they have helped over 4.5 million people shop for insurance, and protected customers with over $20 billion in coverage. The team is driven by one simple mission: “To get people the insurance coverage they need and make them feel good about it.","sponsoredBottomContent":"If you’re shopping for life insurance, you probably recognize the need to have a financial safety net for your family. But if you’re married, your safety net might not be complete unless your spouse also has a life insurance policy. Spouses can save time and hassle by shopping for policies together to protect their family’s future. \n\nWhether you’re shopping for life insurance alone or with a spouse, there are a few things you always have to do. This includes:\n\n### Calculating Your Life Insurance Need\nIt’s important to know how much life insurance you actually need, in terms of both coverage amount and term length.\nThe best way to take to this is to take a needs-based approach and calculate your financial obligations. This involves taking into account:\n- College costs\n- Childcare and care for other dependents (like aging parents)\n- Debt (unfortunately, co-signed debt survives even death)\n- End-of-life expenses (e.g., funeral expenses)\n- Financial cushion for the family (e.g., replacement income)\nSee here for more information on [how much life insurance you need](https://policygenius.go2cloud.org/aff_c?offer_id=132&aff_id=1582&redirect_slug=life-insurance/how-much-life-insurance-do-i-need/). You can also use [Policygenius’ life insurance calculator](https://policygenius.go2cloud.org/aff_c?offer_id=132&aff_id=1582&redirect_slug=life-insurance/health/basic_info/) for a tailored coverage recommendation.\n\n### Choosing A Beneficiary\nThe beneficiary is who will receive the death benefit in the event that the policyholder dies. Most spouses shopping together will choose their partner, but you may choose your children or even an institution, like a charity or museum.\n\nPolicyholders can choose multiple beneficiaries, or pick a primary beneficiary and a contingent beneficiary. Learn more about [life insurance beneficiaries](https://www.policygenius.com/life-insurance/what-is-a-life-insurance-beneficiary).\n\n### Deciding Between Term vs. Whole Life Insurance\nYou will also need to decide if you need a term life insurance policy or a permanent policy, like whole life. Term insurance is cheaper but expires after a certain number of years; whole is more expensive but doesn’t lapse and includes an interest-gaining cash value component.\n\nTerm insurance will be the right choice for most shoppers. Learn more about the [differences between term and whole life insurance](https://www.policygenius.com/life-insurance/learn/whole-life-versus-term-life-insurance/).\n\n### Picking A Company\nDepending on the health status of both you and your spouse, you should take into account what insurance companies you’re considering. Some are better than others at accommodating health conditions like diabetes or high cholesterol and provide lower premiums for applicants with those conditions.\nChoose the [best life insurance company](https://policygenius.go2cloud.org/aff_c?offer_id=132&aff_id=1582&redirect_slug=life-insurance/best-life-insurance-companies) for you and your spouse to save on both policies.\n\n## Separate vs. Joint Life Insurance Policies\nOne unique factor in shopping for life insurance with a spouse is the decision to buy two separate policies — one for each of you — or a single joint policy that covers both of you.\n\n### Separate Life Insurance Policies\nThe most common way for spouses to buy life insurance is to buy two separate policies at the same time. Unfortunately, while this bulk purchase doesn’t result in lower premiums, there are still some benefits:\n- You can tailor each policy to each spouse’s needs. For example, you may want the breadwinner to have more coverage than a stay-at-home spouse, or you may want only one person to have riders that offer extra provisions, like early access to the death benefit.\n- Using Policygenius, you can save time during the application process. Once you fill out all of your identifying information and choose a policy, you can immediately start on getting your spouse’s quotes. You’ll need the same information for him or her — health history, government ID like drivers’ license or Social Security number, and any other life insurance policies — to make the process seamless.\n- You can schedule a joint medical exam. This is part of the underwriting process, when a medical examiner will perform a physical to get an idea of your current health. You can have the technician come to your home or place of work at your convenience.\n\n### Joint Life Insurance Policies\nA joint life insurance policy is one policy that covers two people. They can be term or permanent policies. The main consideration is if you want a first-to-die or survivorship policy.\n- In a first-to-die joint policy, the policy will pay out upon the first policyholder death. If the surviving spouse wants coverage, they’ll need to apply for another policy.\n- With [survivorship life insurance](https://www.policygenius.com/life-insurance/survivorship-life-insurance), also known as a second-to-die policy, the policy doesn’t pay out until both policyholders are deceased.\n\nBoth types of joint policies have benefits and drawbacks. First-to-die policies are typically more expensive, but survivorship policies don’t work as well as income replacement since both policyholders must be deceased before they pay out.\nLearn more about [joint life insurance policies](https://policygenius.go2cloud.org/aff_c?offer_id=132&aff_id=1582&redirect_slug=life-insurance/joint-life-insurance/).\n\nSeparate term policies are typically the best option, because they’re cost-effective and provide flexibility in terms of how long each policy lasts and what customizing riders each policy has. But joint life insurance can be convenient because there’s only one policy throughout the process.\n\nThe best life insurance for married couples will depend on the individual circumstances, so you should talk to a licensed expert about whether separate policies or a joint policy is right for you and your spouse.\n\n## Life Insurance For Stay-At-Home Parents\nStay-at-home parents don’t provide direct income, but they do provide childcare and take care of the home’s budget, food supply, and more. This should be taken into account, and is a great justification for a life insurance policy. Would you be able to afford all of the tasks your significant other does for free?\n\nSome stay-at-home parents may be able to get life insurance coverage by buying what’s known as a rider on their spouse’s policy. Depending on the type of rider, you may be able to get the same coverage through one policy. There are downsides to this approach, however – not all spousal riders offer the same coverage, and some are more expensive than just buying a standalone policy.\n\nA spouse without an income can usually qualify for 50% of the bread-winning spouse's coverage.\n\n## Can you take out a life insurance policy on your spouse?\nOne final consideration: Can you buy a life insurance policy for your spouse without involving them, or vice versa?\n\nThe answer is no, because there are several hurdles involved. First, if you’re taking out a life insurance policy on someone else, you need to demonstrate insurable interest — that is, proof that you would be financially burdened if that person died. It’s what allows business partners to take out policies on each other.\n\nSecond, you’ll need to get through the entire underwriting process. That means knowing all of the person’s health and identifying information. Even if you have all that, you’d need to apply for a no-medical exam policy or else the person will have to take the paramedical exam.\n\nFinally, the person would need to sign the policy and give consent. Unless you’re willing to commit fraud, you’ll need to bring your spouse into the process at some point.\n\n*This [article](https://www.policygenius.com/life-insurance/life-insurance-for-spouses/) originally appeared on Policygenius.*","sponsorLogoImage":{"src":"//images.ctfassets.net/77l22z9el0aa/6kXJCJM1wvWm1imwec2NwY/7e454b4e582352ed6be4ddd306526ef7/PG.Logo.RGB.Black_Resize_.png","altText":"Policygenius"},"stickyCta":{"copy":"Start Planning With Zola","url":"https://www.zola.com/wedding/onboard?product=WEDDING_PLANNING"},"updatedAt":"2024-02-05T16:42:05.228Z"},{"type":"articlePage","topic":{"name":"Relationship advice","slug":"relationship-advice"},"subtopic":{"name":"Newlywed couples","slug":"newlywed-couples"},"slug":"joint-life-insurance-policy-right-for-you","title":"Is A Joint Life Insurance Policy Right For You?","excerpt":"Couples can either purchase separate life insurance policies, or they can buy joint life insurance, which is one policy that covers two people. It’s an option that not many people know about, and depending on your situation, it might be the right answer for you.","author":"Logan Sachon","publishedAt":"2019-04-23T19:00:22.149Z","heroImage":{"src":"//images.ctfassets.net/77l22z9el0aa/19odX1wmtiq8ig3vK16oAT/e42b53c1c285674a490276202e5cca1f/Copy_of_Kelly_and_Sergio_Photography.jpg","altText":"Indian Spring Wedding joint life insurance policy "},"heroCredit":"Kelly and Sergio Photography","heroCreditUrl":"https://www.zola.com/inspiration/wedding-photographers/kelly-and-sergio-photography","body":"---\n*__Sponsored Content. We may earn compensation if you click the links or buttons below.__*\n\n---\n","tag":"Insurance","widget1":{"marketingModule":{"tag":"EA_Masterbrand"}},"nextUp":[{"excerpt":"There are several ways to protect your whole family with life insurance, and we can walk you through your options.","title":"How To Buy Family Life Insurance","slug":"buying-family-life-insurance","topic":"Relationship advice","tag":"How-To ","heroImage":{"src":"//images.ctfassets.net/77l22z9el0aa/5URGFGnFMiwOJVfkKihdJF/05c702980671702930fcdd96bbb9dd24/Hero_Pexels_WilliamFortunato.jpg","altText":"Spring Wedding Portrait"},"type":"articlePage"},{"excerpt":"Save time and hassle by shopping for policies together to protect your family’s future. ","title":"How Spouses Can Shop For Life Insurance","slug":"life-insurance-for-spouses","topic":"Relationship advice","tag":"Insurance","heroImage":{"src":"//images.ctfassets.net/77l22z9el0aa/3UP5QnA0dtkzhOs6K6R4MX/c2acb57b91a6f8cca8e6e8ef437d0f40/Hero_Unsplash_RenataVanaga.jpg","altText":"How Spouses Can Shop For Life Insurance"},"type":"articlePage"},{"excerpt":"If you pay rent, you need renters insurance. If you have a property, you can't afford to replace, you need renters insurance.","title":"Who Needs Renters Insurance?","slug":"renters-insurance-guide","topic":"Relationship advice","tag":"Inspiration","heroImage":{"src":"//images.ctfassets.net/77l22z9el0aa/1j5e1UF4AWnrM0xaND2Y0D/4ec638409ff43f4b1ae455b32def3d7d/Screen_Shot_2019-04-23_at_3.43.43_PM.png","altText":"Newlywed Hallway "},"type":"articlePage"},{"excerpt":"Whether you’re shopping for homeowners insurance for the first time or swapping out one policy for another, you want coverage that suits your needs and doesn’t break the bank.\n","title":"How to Buy Homeowners Insurance","slug":"homeowners-insurance","topic":"Relationship advice","tag":"Insurance","heroImage":{"src":"//images.ctfassets.net/77l22z9el0aa/1z9PaCVenV0v0k7boixqPB/542c19d0ba8c00b7b43fb9f1913288c3/How-to-Buy-Homeowners-Insurance.jpg","altText":"Newlywed Bathroom"},"type":"articlePage"}],"featured":[{"excerpt":"Engagement photos tend to all look the same. Stand out and take photos that feel unique to you with our guide to taking authentic engagement photos.","title":"How to Take Authentic-Looking Engagement Photos","slug":"how-to-take-authentic-engagement-photos","topic":"Getting engaged","tag":"How-To ","heroImage":{"src":"//images.ctfassets.net/77l22z9el0aa/4Nl5od8BdY275rrxxoENZW/f9a8e573c33fb275b5a1f4c0b991f9c4/How-to-Take-Authentic-looking-engagement-Photos.jpg","altText":"engaged couple takes unique engagement photos"},"type":"articlePage"},{"excerpt":"If you’ve never lived together before marriage, moving in can be an adjustment. Here are expert tips on how to communicate, set boundaries, and enjoy your newlywed home.","title":"7 Tips for Moving in Together After Marriage ","slug":"moving-in-together-after-marriage","topic":"Relationship advice","tag":"Inspiration","heroImage":{"src":"//images.ctfassets.net/77l22z9el0aa/3j8BVCfLTf3DR2YhPciwcA/084910eab3e960e055782787ea631353/7-Tips-for-Moving-in-Together-after-marriage.jpg","altText":"newlyweds move in together"},"type":"articlePage"},{"excerpt":"Wanting to show off your wedding photos in cool, not-so-typical ways? Check out our latest list of unique wedding album ideas.","title":"12 Unique Wedding Album Ideas","slug":"12-unique-wedding-album-ideas","topic":"Venues & vendors","tag":"Inspiration","heroImage":{"src":"//images.ctfassets.net/77l22z9el0aa/5heO7kNUjDpTNd7LpS9KOC/570699b76951c7ea2d780c9c346879e2/inline_shutterstock_1_.png","altText":"Unique Wedding Album Ideas"},"type":"articlePage"},{"excerpt":"Do you want to create a wedding album yourself? We've got you covered! Continue reading to learn how to make your own wedding album online.","title":"How to Make a Personalized Wedding Photo Album","slug":"how-to-make-a-personalized-wedding-photo-album","topic":"Relationship advice","tag":"How-To ","heroImage":{"src":"//images.ctfassets.net/77l22z9el0aa/1XvW9gsQD7iIUS29r0VsFu/0117707c53a14d3c6b808ab19f1d3bae/Hero_Zola.jpg","altText":"How to Make a Personalized Wedding Photo Album"},"type":"articlePage"}],"sponsorCta":{"copy":"Get Started","url":"https://policygenius.go2cloud.org/aff_c?offer_id=132&aff_id=1582&redirect_slug=zola-life"},"sponsorName":"Policygenius","sponsorAbout":"Policygenius makes it easy to compare and buy insurance. Since 2014, they have helped over 4.5 million people shop for insurance, and protected customers with over $20 billion in coverage. The team is driven by one simple mission: “To get people the insurance coverage they need and make them feel good about it.\n","sponsoredBottomContent":"Couples buying life insurance together have two options: they can each purchase separate policies, or they can buy joint life insurance, which is one policy that covers two people. It’s an option that not many people know about, and depending on your situation, it might be the right answer for you.\n\n## What is a joint life insurance policy?\n[Joint life insurance](https://www.policygenius.com/life-insurance/best-life-insurance-companies/) is a life insurance policy that covers multiple people. Most joint life insurance policies are permanent policies, like whole or universal life insurance, that have cash values that can earn interest (or lose value).\n\nPermanent policies can be more expensive, but the cash value can provide some flexibility. Other joint life insurance policies are term life insurance policies that expire after 20 or 30 years. Knowing the difference is important whenever you get life insurance. It determines how you’re beneficiaries will be paid and how long you’re covered. It can also determine your premiums, as permanent insurance premiums are generally higher than term insurance premiums.\n\n### How do joint life insurance policies work?\nWhen it comes to joint life insurance, there’s another important distinction to make: whether it's a first-to-die policy or a second-to-die policy, also known as survivorship policy.\n\n### First-To-Die Life Insurance\nFirst-to-die joint life insurance performs the same role as individual life insurance: mainly, it’s income replacement for your beneficiary or beneficiaries when a main breadwinner dies. In first-to-die life insurance policies, the benefit is paid when the first of the two spouses dies. It’s good for people with mortgages, young families, or anyone else who will still need money to keep up with the payments of everyday life if one of the breadwinners dies. First-to-die life insurance allows the surviving spouse to use the lump sum payment to pay bills or carry-on after the first spouse dies.\n\nFirst-to-die life insurance policies are also like individual life policies in that once the lump sum death benefit is paid out by the insurance company, there’s nothing else to do with the policy. If the surviving member of the policy still wants to be insured, they’ll need to apply for another policy.\n\n### Second-To-Die Life Insurance\nAlso called survivorship life insurance, a second-to-die life insurance policy pays out the death benefit once both policyholders are deceased. After the second policyholder dies, the death benefit is paid to beneficiaries, just like with an individual policy.\n\nSince there can be a long time period between when one policyholder dies and when the death benefit is paid, second-to-die life insurance doesn’t work as well as income replacement. Instead, survivorship policies work best as a way for families to pay for estate taxes, inheritance tax, or as a way for the policyholders to leave a legacy for their heirs, since both policyholders need to die before the death benefit is paid. Another disadvantage of a second-to-die life policy: the surviving spouse still has to pay the premiums even after the first policyholder dies (though if its a permanent policy, the cash value could help with premium payments).\n\n## When Joint Life Insurance Is Right For You\nJoint life insurance policies are much rarer than individual policies. For some couples, an individual policy makes more sense because they’ll only be insuring one member (the primary income earner). For others, they don’t want to deal with the caveats that come with a joint policy (more on that below).\nBut if both spouses are going to be insured anyway, you may want to look into a joint policy because in some cases it can be cheaper than buying two separate individual policies.\n\nThere are two reasons joint policies can be cheaper: First, it’s cheaper for an insurer to underwrite two people at the same time. Second, with survivorship policies, the insurer knows it’ll likely be longer before the death benefit is paid out since both policyholders have to die before that happens. That means more premiums paid and, for the 20% of joint policies that are made up of term life insurance, a higher chance that the death benefit won’t be paid out at all (because the policies will expire before the policyholders do).\n## The Arguments Against Joint Life Insurance\nThere’s a place in the world for joint life insurance policies, but they work best in specific situations. You should talk to your independent agent or broker to see if it’s the right financial move for you and your family’s protection. There are three main issues that they’ll probably bring up in arguing against getting a joint policy.\n\n### Joint Life Insurance Can Be More Expensive\nJoint policies can be cheaper than individual policies for the reasons mentioned earlier, but that isn’t always the case. If you know how life insurance premiums are set, then you know that your health when you apply plays a huge role. That’s normally fairly straightforward, but it gets complicated with a joint policy because the insurance company is calculating the risks for two different people.\n\nOn one hand, if one spouse has a pre-existing medical condition or in poor health, the premium on the joint policy could be higher than the healthier spouse buying his or her own policy. But if both spouses need coverage, the joint policy could be more affordable than buying two separate policies.\n\nAlso: if one of the members of a policy is considerably healthier or younger than their partner, the surviving spouse might end up paying a lot more over the life of a policy than they would if they were to get their own policy.\n\n### Joint Life Insurance Can Mean Waiting Years Or Decades Before The Benefit Is Paid\nYou – or, more accurately, your beneficiaries – also need to wait longer for the death benefit payout in the event of a survivorship policy. Normally, benefits are paid out once the policyholder dies, but if beneficiaries have to wait until both policyholders pass, it can add years (or decades) before the death benefit is paid.\n\nThis can sometimes be circumvented by adding a first-to-die to a survivorship policy, where a portion of the death benefit will be paid out when the first person dies and the remainder paid out after the second person dies. Still, you wouldn’t be getting the full amount all at once, so if someone is depending on that money, it’s not ideal.\n\nAnd remember that most joint life insurance policies are permanent policies (rather than term). Even though it can be cheaper to get a joint policy than two individual permanent policies, permanent policies are typically much more expensive than term policies, so a joint policy still might not be your most cost-effective option. Plus, the cash value aspect means that they can oftentimes get more complicated than they’re worth when compared to more straightforward term life insurance policies.\n\n### Joint Policies Can Be Difficult To Split \nFinally, you have to consider that joint life insurance policies deal with not one topic that makes people uncomfortable – death – but also the possibility of divorce. Divorce, as messy as it is, can get even worse when you throw a life insurance policy of several hundred thousand dollars or more into the mix. That’s why if you do end up getting a joint life insurance policy, you should plan for the worst (besides, y’know, dying) and see if your your insurance company will include a rider that splits the joint policy into two individual policies in the event of a split.\nRead more about [life insurance for spouses](https://www.policygenius.com/life-insurance/life-insurance-for-spouses/).\n\n*This [article](https://www.policygenius.com/life-insurance/joint-life-insurance/) originally appeared on Policygenius*.","sponsorLogoImage":{"src":"//images.ctfassets.net/77l22z9el0aa/6kXJCJM1wvWm1imwec2NwY/7e454b4e582352ed6be4ddd306526ef7/PG.Logo.RGB.Black_Resize_.png","altText":"Policygenius"},"stickyCta":{"copy":"Start Planning With Zola","url":"https://www.zola.com/wedding/onboard?product=WEDDING_PLANNING"},"updatedAt":"2024-02-05T16:42:04.437Z"},{"type":"articlePage","topic":{"name":"Relationship advice","slug":"relationship-advice"},"subtopic":{"name":"Newlywed couples","slug":"newlywed-couples"},"slug":"homeowners-insurance-guide","title":"Your Guide to The Different Types of Homeowners Insurance","excerpt":"Homeowners insurance is for your house, apartment, condo, mobile home, and more. Here's everything you need to know.","author":"Patrick Howard","publishedAt":"2019-04-23T19:29:57.602Z","heroImage":{"src":"//images.ctfassets.net/77l22z9el0aa/1hjwYobaWRcOsWE7T4VqbE/e71e750206937b27c1017df6160da2c4/Screen_Shot_2019-04-23_at_3.29.22_PM.png","altText":"Newlywed Kitchen "},"heroCredit":"Zola","body":"---\n*__Sponsored Content. We may earn compensation if you click the links or buttons below.__*\n\n---","tag":"Inspiration","widget1":{"marketingModule":{"tag":"EA_Masterbrand"}},"sponsorCta":{"copy":"Get Started","url":"https://policygenius.go2cloud.org/aff_c?offer_id=120&aff_id=1582&redirect_slug=zola-homeowners"},"sponsorName":"Policygenius","sponsorAbout":"Policygenius makes it easy to compare and buy insurance. Since 2014, they have helped over 4.5 million people shop for insurance, and protected customers with over $20 billion in coverage. The team is driven by one simple mission: “To get people the insurance coverage they need and make them feel good about it.","sponsoredBottomContent":"When you think about the type of homes that need “homeowners insurance”, a big ole house in the suburbs is probably what springs to mind, but spacious family dwellings aren’t the only type of home that needs insurance.\nHomeowners insurance is for your house, apartment, condo, mobile home, tiny home, historical homes and landmarks, it's for the apartment you’re renting and even property you’re renting to someone else. There are eight types, or “forms”, of homeowners insurance:\nIf you own a home\n- HO1 - limited coverage policy\n- HO2 - basic policy\n- HO3 - most common policy\n- HO5 - most comprehensive policy\n- HO8 - older homes policy\n** If you rent your home**\n- \tHO4 - renters policy\nIf you own a co-op or condo\n- HO6 - condo policy\nIf you own a mobile home\n- HO7 - mobile home policy\n\n## If you own a home\n### HO1: Basic form\nA basic form homeowners insurance policy is the most limited from a coverage standpoint. This is a named peril policy, meaning it only covers perils specifically outlined in your policy, which for HO1 policies is a measly 10:\n- Fire or smoke\n- Explosions\n- Lightning\n- Hail and windstorms\n- Theft\n- Vandalism\n- Damage from vehicles\n- Damage from aircraft\n- Riots and civil commotion\n- Volcanic eruption\n\nThe other limiting factor to consider with HO1 policies is that they usually don’t include [personal property coverage](https://policygenius.go2cloud.org/aff_c?offer_id=120&aff_id=1582&redirect_slug=homeowners-insurance/personal-property-insurance) or personal liability coverage, and the rare HO1 that does cover your personal belongings usually only covers items which you specified at the time you purchased the policy.\nHO1 policies aren’t usually offered anymore, as more comprehensive policy types aren’t too much more expensive and give you a much bigger bang for your buck. In fact, you’d be hard-pressed to find a state that still offers basic form policies.\n\n### HO2: broad form\nA broad form policy is far more common than basic form policies and covers the same perils, plus:\n- Accidental discharge or overflow of water or stream\n- Falling objects\n- Freezing of household systems like AC or heating\n- Sudden and accidental damage from an artificially generated electrical current\n- Sudden and accidental tearing apart, cracking, burning, or bulging of pipes and other household systems\n- Weight of ice, snow, or sleet\n\nIn addition to dwelling coverage, HO2 policies typically cover your personal belongings and sometimes even your personal liability. Like HO1 policies, HO2s are named peril policies, so any damage or loss caused by conditions not explicitly named in the policy will be excluded from coverage.\n\n### HO3: special form\nHO3 policies, or “special form” policies, are the most common home insurance policies and are typically what we refer to when we talk about [what homeowners insurance is](https://policygenius.go2cloud.org/aff_c?offer_id=120&aff_id=1582&redirect_slug=homeowners-insurance/what-is-homeowners-insurance) or [what’s covered in a basic policy](https://policygenius.go2cloud.org/aff_c?offer_id=120&aff_id=1582&redirect_slug=homeowners-insurance/what-does-homeowners-insurance-cover). These policies are generally affordable and are comprehensive open peril policies, meaning they cover everything except conditions specifically outline in the policy. Common exclusions you should expect to see in an open peril policy are:\n- Earth Movement\n- Ordinance of law\n- Water damage (although sudden and accidental water damage is included)\n- Power failure\n- Neglect\n- War\n- Nuclear hazard\n- Intentional loss\n- Government action\n- Collapse (some coverage may be provided in your policy)\n- Theft to a dwelling under construction\n- Vandalism or malicious mischief (only if vacant more than 60 days)\n- Mold, fungus, or wet rot (some coverage may be provided in your policy)\n- Wear & tear, deterioration\n- Mechanical breakdown\n- Smog, rust & corrosion\n- Smoke from agricultural smudging and industrial operations\n- Discharge, dispersal, seepage of pollutants\n- Settling, shrinking, bulging, or expanding\n- Birds, vermin, rodents, insects\n- Animals owned by insured\n\nHO3 policies typically include all six of the core coverages:\nDwelling Other structures Personal property Loss of use Personal liability Medical payments to others\nWhat is and isn’t covered varies by insurer, so you’ll want to go over everything with your agent to be sure, but floods, mudslides, and earthquakes are almost never covered in an HO3 policy.\n\n### HO5: comprehensive form\nComprehensive form policies are the most expansive homeowners insurance policies, but also the most expensive. These policies are strikingly similar to HO3 policies, but with a few key differences:\nHO5 reimburse both dwelling and personal property coverage claims on a replacement cost value (RCV) basis, which pays to replace the property. (HO3 policies can vary depending on the insurer, but many are actual cash value (ACV) policies, which pay you the replacement amount minus depreciation). HO3 policies are open peril for dwelling, but named peril for personal property. HO5 are open peril for both dwelling and personal property. HO5 policies have expanded limits for losses and damages to valuable items like jewelry, fine furs, and electronics.\nHO5 policies are generally for newer homes in a relatively low-risk areas with high value relative to the rest of the state. Check with your insurer, but if the price difference doesn’t differ all that much between HO3 and HO5 policies, it's definitely worth the slight cost increase to buy an HO5.\n\n### HO8: older home form\nDesigned for homes, HO8 home insurance policies are designed for homes which are:\n- Over 40 years old\n- Don’t meet all of the structural and cosmetic update requirements that are commonly found in HO3 policies. If you own an older home, you’ll typically need to make updates to the: HVAC, electrical, plumbing and roof in order to qualify for an HO3 policy.\n\nSimilar to HO1 basic form policies, HO8s are named peril plans that only provide coverage for 10 perils and reimbursement is determined by the properties’ actual cash value – meaning the replacement cost minus depreciation – rather than a replacement cost value (RCV) – which reimburses you with the amount it would cost to replace damaged or stolen property without a deduction for depreciation.\nThe one inkling of value in HO8 policies is that your home can be covered without full updates or a four point inspection, so if you’re intent on keeping the home exactly the way it was when it was first built two generations prior, this policy may be for you.\n\n## If you rent your home\n### HO4: Tenant’s form\nBetter known as [renters insurance](https://policygenius.go2cloud.org/aff_c?offer_id=120&aff_id=1582&redirect_slug=renters-insurance/what-is-renters-insurance), HO4 policies are created specifically for those who rent the home or apartment where they live. It protects your possessions and any other parts of the apartment that you own, including cabinets or fixtures which you bought and installed.\nRenters insurance covers the same 16 perils as an HO2 broad form policy and has all the same core coverage components of an HO3 special form policy except dwelling coverage, as renters are not responsible for the house or apartment building structure. That’s [covered by the landlord’s insurance](https://www.policygenius.com/renters-insurance/landlord-insurance/).\n\n## If you own a co-op or condominium\n### HO6: Condo form\nAlso known as [condo insurance](https://www.policygenius.com/homeowners-insurance/condo-insurance/), an HO6 policy is for people who live in a condominium or co-op. The amount of coverage in your condo policy can vary, as it depends on how robust your condo association’s master policy is.\nThe master policy covers the structure of the building and may cover the building’s common areas, but it doesn’t always cover the interior structure of your apartment or built-in appliances like cabinetry or bathroom fixtures. For that, you may need to purchase your own dwelling coverage, in addition to personal property, loss of use, personal liability, medical payments, and loss assessment coverage.\n\n## If you own a mobile home\n### HO7: Mobile home form\n[Mobile home insurance](https://www.policygenius.com/homeowners-insurance/mobile-home-insurance/) is virtually identical to HO-3s, but are designed specifically for mobile homes, which don’t fall under normal homeowners insurance coverage.\nThe type of mobile homes covered under HO7 policies include, but aren’t limited to:\n- Trailers, travel trailers, fifth-wheel trailers\n- Single-wide manufactured and single-wide mobile homes\n- Double-wide manufactured and double-wide mobile homes\n- Sectional homes\n- Modular homes\n- Park model homes and RVs\n\nThe size of your home may affect your policy’s cost.\nIf you own, rent, or lease out your home but don’t know what type of home insurance you need, Policygenius will [guide you toward a plan](https://policygenius.go2cloud.org/aff_c?offer_id=120&aff_id=1582&redirect_slug=homeowners-insurance) that makes the most sense for you.\n\nPolicygenius’ editorial content is not written by an insurance agent. It’s intended for informational purposes and should not be considered legal or financial advice. Consult a professional to learn what financial products are right for you.\n\nThis [article](https://www.policygenius.com/homeowners-insurance/types-of-homeowners-insurance/) originally appeared on Policygenius.","sponsorLogoImage":{"src":"//images.ctfassets.net/77l22z9el0aa/6kXJCJM1wvWm1imwec2NwY/7e454b4e582352ed6be4ddd306526ef7/PG.Logo.RGB.Black_Resize_.png","altText":"Policygenius"},"stickyCta":{"copy":"Start Planning With Zola","url":"https://www.zola.com/wedding/onboard?product=WEDDING_PLANNING"},"updatedAt":"2024-02-05T16:42:03.643Z"},{"type":"articlePage","topic":{"name":"Relationship advice","slug":"relationship-advice"},"subtopic":{"name":"Newlywed couples","slug":"newlywed-couples"},"slug":"how-to-make-a-personalized-wedding-photo-album","title":"How to Make a Personalized Wedding Photo Album","excerpt":"Do you want to create a wedding album yourself? We've got you covered! Continue reading to learn how to make your own wedding album online.","author":"Jennifer Prince","publishedAt":"2021-09-29T09:37:07.000Z","heroImage":{"src":"//images.ctfassets.net/77l22z9el0aa/1XvW9gsQD7iIUS29r0VsFu/0117707c53a14d3c6b808ab19f1d3bae/Hero_Zola.jpg","altText":"How to Make a Personalized Wedding Photo Album"},"heroCredit":"Zola","tldr":"\n## The First Look ✨\n\n- A personalized wedding photo album allows you to hold your memories and have them within reach. \n- Narrow down your album images with your partner to include pictures that you both enjoy.\n- Choices, such as size and cover construction, will impact how much your album will cost.\n- Zola makes it easy to upload your images and create an album quickly.","body":"Your wedding day is one of the most significant moments of your life, and it’s filled with meaningful times. Not only do you have your cherished memories, but you can [tangibly hold them](https://www.zola.com/expert-advice/how-to-get-most-out-of-your-engagement-photos) by customizing a [wedding album](https://www.zola.com/wedding-albums/shop). So, whether you keep one on your coffee table or store it safely for future generations, consider curating an album. It’s simple and doesn’t take as much time as you’d think. Here’s all you need to know about how to make your own wedding album online.\n\n- Part 1: How to Narrow Down Images for Your Wedding Album\n- Part 2: How Much Does a Wedding Photo Album Cost?\n- Part 3: Making Your Personalized Wedding Album at Zola\n- Part 4: You Can Register for Your Wedding Photo Album\n\n### Why Make a Personalized Wedding Photo Album? \nOnce you get your images back from your [wedding photographers](https://www.zola.com/wedding-vendors/search/wedding-photographers), some photos will jump out at you more than others. Maybe it’s a tear in someone’s eye during the precessional. Possibly, it’s the hilarious antics of your wedding party during the reception. Or, it could be as traditional as the wedding kiss. \n\nNo matter what [photos you adore](https://www.zola.com/expert-advice/wedding-photo-list), placing them all in an album keeps your cherished memories at your fingertips. Selecting images and making a photo book means that you will always have those moments close at hand. An album also makes a great memento that even your grandkids can peek at someday.\n\n## How to Narrow Down Images for Your Wedding Album \nWhen someone else gets married, you may see a collection of 40 of their favorite images on their social media. However, with your own wedding—and modern photography—you may get an album of 1,000 digital images from your big day. It can be overwhelming to wade through so many photos, some of which are identical except for slight nuances. So, narrowing down your images is essential, and here are a few tips for doing so.\n\n__Choose pictures from various aspects of your wedding day.__ Sure, you may think that your cousin’s breakdancing antics on the dance floor were entertaining; however, you probably don’t need more than one of those images—if any—in your personalized wedding photo album. Instead, go through your day chronologically, and pick a few images from each section. Include a few flat lay details, getting ready moments, first look emotions, etc. [Selecting a few photos](https://www.zola.com/expert-advice/how-to-make-a-personalized-wedding-photo-album) from each part of the day creates a balanced album.\n\n__Include loved ones in your images.__ Think about who is important to you in your life and what you will want to look at years from now. Sure, you may not want a [formal portrait](https://www.zola.com/expert-advice/how-to-take-authentic-engagement-photos) of yourself with your grandmother; however, maybe you can include her in a family photo or an image of her smiling as you walk down the aisle. As you select photos, include those that are closest to you in either posed or candid shots.\n\n__Nix embarrassing pictures from the big day.__ Did your high school BFF get drunk and sloppy at the reception? Axe any images that include them looking less than their best, even if they’re in the background. Of course, leave out other embarrassing pictures. Examples would be people with eyes closed, folks with mouths wide open eating, or someone caught mid-sneeze or itching.\n\n__Go through your wedding photos together.__ Doing the wedding album isn’t something that you or your partner should do solo. Even if it’s some effort, sync your schedules and cull through photos together. Some moments may be more meaningful to one partner, whereas different precious memories will stick out for the other person. Remember, this is your wedding album together, so it should reflect both of your favorite moments from the day.\n\n__Think about including standout images.__ Your custom photo book should have a few full-page photos. Therefore, pick out a few standout, beautiful pictures for these wedding album pages. It’s better to include a few large images rather than have an album filled with tiny ones. So, select and mark the pictures that have a wow factor for featured spots in your album.\n\n## How Much Does a Wedding Photo Album Cost? \nWhen pricing wedding albums, it all comes down to choices. The number of images, cover style, layout, and paper thickness can impact the final cost. Although that may sound daunting, it’s actually good news. Once you come up with a budget for your album, you can make tweaks to the cost. Here are a few price-impacting decisions you’ll make when you build an album at [Zola](https://www.zola.com/). \n\n__Cover material-__ When selecting an album, there are several options to create a cover. From durable leather to sturdy linen, you can customize both the color and finish of your album. Linen is the most economical option, with leather bearing the highest cost.\n\n__Album dimension-__ The larger your wedding photo album, the more it will cost. For example, a 12”x12” book has a higher price tag than an 8”x8” one. Offering different album sizes allows you to purchase a larger size for yourself, plus smaller ones for parents and friends.\n\n__Page number-__ All of Zola’s wedding photo albums come with 20 pages for a base price. After that, there is a minimal surcharge per page, which allows you to include your favorite images. As a hint, the average number of pages ordered is 40, so don’t worry if you exceed the base number. Zola’s premier and deluxe albums cap off at 80 pages due to the thickness of the paper. \n\n__Any extras-__ Gold foiling on the cover and extra personalization can cost more. However, at Zola, you can place your names, wedding date, or whatever you’d like on the outside. So, whether your wedding album budget is $150 or $600, the cost includes customization.\n\n__Shipping time-__ Once you personalize your wedding album, it’s time to choose your shipping speed. As with most orders, the quicker you need something, the higher the cost to ship. With most wedding albums, couples can relax and wait for it to come; however, if you simply want it in your hands ASAP, shipping will cost slightly more.\n\n## Making Your Personalized Wedding Album at Zola \n\nZola makes it simple to create an album in a few short steps. From a more concise wedding photo book with full-page images to a lengthy one filled with collages—and everything in between—Zola has a gorgeous selection. The process to make one is simple, too!\n\n__Talk about your budget.__ With all of the things to consider, decide what you expect to spend on your album. Coming up with a range is helpful, as you can make tweaks to have a wedding album within budget.\n\n__Curate a gallery of your images.__ After culling through your favorites with your partner, create a folder or section on your computer. Use this to keep your album images handy so that you can upload them in a snap. You can also further break down the images. Create sub-folders with must-have photos along with ones that would be nice to include. Don’t forget to separate a few feature photos for full-page spreads.\n\n__Choose your album style and cover color.__ There are three levels of wedding photo albums at Zola. They come at different price points, are available in various colors, and feature differing interior paper. Here’s what to expect.\n\n- Classic Album — linen cover and medium paper weight\n- Premier Album — vegan leather or linen cover and heavy paper weight\n- Deluxe Album — leather cover and heavy paper weight\n\nAfter choosing the album design, you can work from there to select the color of the cover.\n\n__Determine the size of your album.__ Figure out whether you want a square (8”x8”, 10”x10”, or 12”x12”) or rectangle (10”x8” or 14”x11”) album. Think about where you want to place your custom photo book and who the recipient is. If it is for you and your partner, consider a larger coffee table book. For parents and grandparents, a smaller album is perfect for gift giving.\n\n__Select your paper finish.__ Zola offers two types of paper: soft gloss and satin. If you prefer paper with an elegant shine, opt for soft gloss. Satin paper is matte with a slight sheen. \n\n__Pick a layout style.__ One of the best features of Zola’s professional wedding album creator is that you can select page layouts. Then, your images are laid out nicely by the album generator. However, you can make changes and try other layout styles if need be. Either focus on collages, full-page images, or both for an eclectic vibe. \n\n__Upload your images.__ Yay! It’s finally the exciting part as you start to see your album come to life. Upload your images, and be sure that they are hi-resolution so that they aren’t pixelated. Once uploaded, organize your pictures into categories, if you’d like. Either accept the layouts as is or make changes to focus on different photos. The Zola system is incredibly intuitive.\n\n__Finalize your wedding photo album.__ Once you have everything, finalize your album and place your order. Then, you simply wait for your gorgeous album to arrive so that you can relive your big day. \n\n## You Can Register for Your Wedding Photo Album \nAre you wondering how you’re going to pay for your album with all of your other wedding obligations? Well, you can add your [album to your registry!](https://www.zola.com/shop/product/zolaweddingalbums_premier_album_) Register for the type, number of pages, and color of the album.\n\nThere’s no stress, and you can personalize your photo book after you receive your wedding images. It’s the perfect way to obtain a photo album without having to incur the post-wedding expense. \n\nInstead of registering for an entire album, you can also put gift cards on your [wedding registry](https://www.zola.com/search/wedding-registry). Family and friends can purchase photo albums [gift cards in $50 increments](https://www.zola.com/shop/product/zolaweddingalbums_gift_card) from $50 to $500. That way, many folks can help you buy the wedding book of your dreams. Another option is to register for [Zola gift cards](https://www.zola.com/shop/product/zola_gift_card), which can be used for anything throughout the site.\n\nNo matter what your wedding day looks like, it’s worth documenting. Chances are that you’ve hired a photographer (if not, here’s [how to select one](https://www.zola.com/expert-advice/questions-to-ask-wedding-photographer)!), and those beautiful images shouldn’t sit on your hard drive. [Display them](https://www.zola.com/expert-advice/how-to-get-most-out-of-your-engagement-photos) and make a gorgeous Zola wedding photo album so that you can enjoy your precious memories for years to come.","tag":"How-To ","widget1":{"marketingModule":{"tag":"EA_Masterbrand"}},"nextUp":[{"excerpt":"We’ll walk you through the wedding album design process from start to finish with tips that will help you make all the right design decisions.","title":"How to Design the Ultimate Wedding Photo Book","slug":"how-to-design-the-ultimate-wedding-photo-book","topic":"Relationship advice","tag":"How-To ","heroImage":{"src":"//images.ctfassets.net/77l22z9el0aa/6WfkNzdqSPs5MnQq8TF7L9/2bf412d2993cbebd1d4a2aaea9da569e/hero_ToriMercedesphotography.jpg","altText":"design a wedding photo book"},"type":"articlePage"},{"excerpt":"Wedding album planning just became a whole lot easier with Zola’s Album Wizard.","title":"How to Create Your Wedding Album in 10 Minutes","slug":"how-to-create-your-wedding-album-in-10-minutes","topic":"Relationship advice","tag":"How To","heroImage":{"src":"//images.ctfassets.net/77l22z9el0aa/23Hqv1qcpWialgg5Uh9aPo/357f44e39859b2cd329e94381933b9f8/Hero_Zola.jpg","altText":"Create Your Wedding Album in 10 Minutes"},"type":"articlePage"}],"featured":[{"excerpt":"Find out how to organize your wedding registry, keep track of who gifted what, and help sending thank you notes with Zola. Here's how to do it all.","title":"How to Stay Organized While Creating a Wedding Registry","slug":"stay-organized-creating-a-wedding-registry","topic":"Registry & gifts","tag":"How-To ","heroImage":{"src":"//images.ctfassets.net/77l22z9el0aa/4excZvDdjJhs2a0VZho90J/ff9722a3faa8f3c6265b410072834f82/How-to-Stay-Organized-While-Creating-a-Wedding-Registry-New.jpg","altText":"organized wedding registry"},"type":"articlePage"},{"excerpt":"It’s not uncommon for a wedding photographer to include an engagement photo session in their packages. Here's how to make the most of those photos.\n","title":"12 Ways to Get The Most Out of Your Engagement Photos","slug":"how-to-get-most-out-of-your-engagement-photos","topic":"Getting engaged","tag":"Getting Engaged","heroImage":{"src":"//images.ctfassets.net/77l22z9el0aa/4DEuaFrXVcKgYHHKzYTPMa/ce4ad8cb1fd645069d15c4af106f045b/ErinJacksonPhotog.jpg","altText":"table with decoration pieces and Engagement Photo frame"},"type":"articlePage"},{"excerpt":"We’ll walk you through the wedding album design process from start to finish with tips that will help you make all the right design decisions.","title":"How to Design the Ultimate Wedding Photo Book","slug":"how-to-design-the-ultimate-wedding-photo-book","topic":"Relationship advice","tag":"How-To ","heroImage":{"src":"//images.ctfassets.net/77l22z9el0aa/6WfkNzdqSPs5MnQq8TF7L9/2bf412d2993cbebd1d4a2aaea9da569e/hero_ToriMercedesphotography.jpg","altText":"design a wedding photo book"},"type":"articlePage"},{"excerpt":"Protect your investment in professional photography by caring for your wedding photos properly. Here are the best ways to store both digital and physical copies. ","title":"How To Store Your Wedding Photos","slug":"how-to-store-your-wedding-photos","topic":"Relationship advice","tag":"How-To ","heroImage":{"src":"//images.ctfassets.net/77l22z9el0aa/4vU0T3oalHpzpj8Od6QZnu/a3556e7679cc6362e5e0604d70aeca87/inline_unsplash__1_.jpg","altText":"how to store wedding photos"},"type":"articlePage"}],"stickyCta":{"copy":"Start Planning With Zola","url":"https://www.zola.com/wedding/onboard?product=WEDDING_PLANNING"},"updatedAt":"2024-02-05T16:42:02.878Z"}],"pagination":{"currentPage":3,"total":34},"subtopic":{"name":"Newlywed couples","slug":"newlywed-couples","description":"Congrats Newlyweds! As your wedding celebrations come to an end, you might be asking yourselves some questions on topics like combining finances, navigating post-wedding blues (it's a thing!) or buying a house and preparing to start a family. Find expert marriage advice to guide you through the start of your forever and beyond."},"topic":{"name":"Relationship advice","slug":"relationship-advice","description":"Get relationship advice from the experts. Maybe you've been dating for a while and need guidance on how to talk about the next steps. Or you're newly engaged and need advice on how to handle wedding planning stress. You'll also find advice for newlywed couples, like how to combine finances. Plus guides to celebrating anniversaries and renewing your vows! Whatever stage of the journey you're in, we're here to support you through it all.","subtopics":[{"featuredArticles":[{"type":"articlePage","topic":{"name":"Relationship advice","slug":"relationship-advice"},"subtopic":{"name":"Dating","slug":"dating"},"slug":"the-places-that-couples-getting-married-met","title":"Top Places Couples Actually Met Each Other","excerpt":"Here’s a look into where our 2023 couples’ love stories started. ","publishedAt":"2022-01-10T04:26:29.584Z","heroImage":{"src":"//images.ctfassets.net/77l22z9el0aa/1UdOtpzW1eVx17R4Uu6ceJ/7b2d9ed3b95b2447ef1f048e1f4ef89b/1116_EA_FLR-Places_Couples_Met.jpg","altText":"Top Places Couples Actually Meet Each Other"},"heroCredit":"Hannah Pascual Photo","tldr":"## The First Look ✨\n\n- There are several places (and during different life stages) where you can meet your future spouse, from your teenage years to your adult years. \n- Some of the top places that engaged couples met were at school, work, via online dating, and through friends.\n- Others met their partner partying the night away at a bar, through family, at church, at the gym, and at restaurants.","body":"Meeting that special someone can happen in a myriad of places, but meeting the one that will be your forever bae and partner for the rest of your life is a moment to treasure. \n\nIn [Zola’s First Look Report](https://www.zola.com/expert-advice/the-first-look-report-2023), we surveyed 4,000 engaged couples to find out who they are, what their priorities are for their 2023 weddings, and what makes these weddings different than ever before. We found that 2023 couples met at a variety of places and life stages. If you’re single, you may wonder where to find someone. Here’s a look into where our 2023 couples’ love stories started. \n\n## __Top Places Where Couples Met__ \n\nWhile your match made in heaven isn’t going to literally fall out of the sky, you can find him or her in one of the following places, like these couples did. \n\n### 1. At school\n\nTwenty-eight percent of couples say that they met in an educational setting. Think about it, you spend most of your time on campus in your late teens and early 20s, and that’s the time when most people find their other half. Some even end up marrying their high school sweethearts. \n\nIf you’re attending a workshop or some other event at a school, for maybe your child or a niece or nephew, then you could bump into that school principal or teacher that takes your breath away. One survey participant said, “I was visiting my parent’s island where they were born and raised. [My now fiance] was a teacher at one of the schools I was visiting, and I fell in love with him and just wanted to get to know him even more. He says [that] the same goes for him, he had to get to know me and from then on we just knew we would be together.”\n\n### 2. Online dating\n\nTechnology is the new wave by dating via an app. Twenty-seven percent of couples say that they met through an online dating service or app. “I matched with a guy on Hinge; he set up a date with me and then canceled at the last minute, but told me that his roommate was recently single, so he set up the date to be with him. It was double-blind for me since I didn't know that Hinge guy at all. Turns out, we went to school two hours away, have many mutual friends, but never crossed paths,” says one engaged individual. There are so many apps to try, and you may get frustrated, but don’t give up. Keep swiping up, down, right, and left, until you find someone that catches your eye. \n\n### 3. Through friends\n\nThe friend network still works! Nineteen percent of surveyed people met their partner through a friend, so it may be time to let your friends know that you are ready to mingle. Have your friend introduce you to their single friends. \n\n### 4. At work \n\nIt may feel weird to date and work in the same place, but for some it works. Eleven percent say that they met their significant other at work. One couple in the survey says that they met while he was a cashier at Target and she was his customer. Another engaged couple shared, “We met as members of a philharmonic chorus and won our first Grammy in 2021” (talk about an award winning connection)! A word of caution, make sure that you know the rules of the workplace, as you may have to inform your human resources department if you start dating your co-worker or even your boss. \n\n## Other Popular Places Where Couples Met\nSometimes love can appear when you least expect it and when you aren’t even looking for it. Here are some more popular places that engaged couples met. \n\n### 5. A bar \n\nYou may be thinking that meeting someone at a bar is so cliche, and that it can only mean that you’re looking for a one night stand. Not always! Your other half could just be out with friends and you lock eyes as you are with your friends, and the rest is history! Besides, if you have a drink, that will ease your nerves, so you can get the convo started. \n\n### 6. Facebook \n\nYou never know what could happen when you accept or send that friend request. Many people have reconnected with an old flame or met a new one via Facebook, whether it’s by sliding into the inbox or exchanging comments on a thread. Facebook also has the dating feature, so the option of dating online is still there. \n\n### 7. Through family \n\nFamily members love to help their loved ones find love. It might not be so bad, as they just may know what you need. “His grandfather and I worked together at the YMCA. He tried to get us to exchange numbers, without meeting, for a month before we agreed to. We met for our first date two days later,” says one survey participant. Another one added, “We were family friends our entire lives and ultimately (and strategically) [were] seated together at a wedding.” You may not want your family messing with your love life, but sometimes they strike gold.\n\n### 8. Church \n\nIf you are active at church (or another place of worship) and spend a lot of time there, then this may be the spot that you find your other half. From the singles ministries to teaching Sunday school, you never know if you just might pass the communion wafers to your new boo. \n\n### 9. At the gym \n\nGetting fit may not be a bad idea when there’s the potential that you can run into your future spouse. You may find yourself on the same treadmill every day beside the same person and then strike up a conversation and realize that you actually have some things in common. Working on a common goal to get healthy or stay healthy may be the bond you form with someone that works or works out at the gym. While it wasn’t at a gym, one couple met performing an athletic activity together. “He fought my ex-boyfriend at a paintball park when we were teenagers, and won.”\n\n### 10. At a restaurant \n\nBefore you question us, hear us out. If you like to go out to eat by yourself, you may notice (or be noticed by) another person dining out solo and decide to join each other for an appetizer. Or, if you are eating at the bar, maybe you hit it off with the bartender or someone sitting nearby. It’s also possible that the waiter or waitress is the one that you’ve been waiting to meet for your whole life. Coffee shops are also an option to potentially meet your significant other. \n\n## Unique Places Where Couples Met \nThere are so many ways to meet that special person who will ultimately become your spouse. \n\nKeep an open mind, like these couples did. \n\n### 11. Craigslist \n\nOne couple met by responding to an ad. “He responded to my friend's ad looking for a subletter.” That one piece of furniture that you’re wanting to buy or sell on Craigslist could lead you to the one that grabs a piece of your heart.\n\n### 12. Chuck E. Cheese \n\nA teenage love can start anywhere, and it did for this couple. “I was 14 and he was 15, both in attendance at a family member’s birthday.” But, as an adult, you may be attending your godchild’s birthday party at Chuck E. Cheese and meet your future partner on the other side of the building attending a family member’s party. It can happen! \n\n### 13. At a Renaissance Fair \n\nWhat better way to meet someone than at a place where your interests intersect? Imagine a 16th century European style art and entertainment festival that blends history and fantasy through outdoor theater with throwback costumes? You may just find your Romeo or Juliet. \n\n### 14. UberPool \n\nWith UberPool, riders heading in the same direction choose to share a ride. So, if you’re heading downtown and the Uber driver picks up another rider, you may just hit it off. Who knows, it could be fate.\n\nRegardless of where these couples met, they are feeling more excited than ever. Forty percent say that they are more excited and in love than ever. \n\n## Meet Zola, The One Place to Start Wedding Planning\n\nAfter getting engaged, you and your partner need to get hooked up with all the right tools and services to make your online wedding planning as easy as possible. Set up a Zola account to:\n- Create a [wedding registry](https://www.zola.com/wedding-registry)\n- Set up your personal [wedding planning Checklist](https://www.zola.com/expert-advice/checklist/your-ultimate-wedding-planning-checklist)\n- Build a [free wedding website](https://www.zola.com/wedding-planning/website)\n- [Order save the dates and invitations](https://www.zola.com/wedding-planning/invitations/shop)\n- [Browse wedding inspiration](https://www.zola.com/inspiration/weddings)\n- [Book your wedding vendors](https://www.zola.com/inspiration/wedding-venues)\n- Download the [Zola Weddings App](https://itunes.apple.com/us/app/zola-Fweddings/id1224719355?ls=1&mt=8) on all your mobile devices (even those [Androids](https://play.google.com/store/apps/details?id=com.zola.android.wedding&hl=en)) for even more wedding inspiration.\n- [Follow Zola](https://www.facebook.com/zola/) on your [favorite social channels](https://www.instagram.com/zola/) for unbeatable inspiration and advice. \n- Download Zola’s [12-month wedding planning timeline](https://www.zola.com/expert-advice/checklist/your-ultimate-wedding-planning-checklist) (if you aren’t using our digital Wedding Checklist tool).\n\nFor more tips and guidance on pre-wedding festivities, check out our [Zola](https://www.zola.com/) expert advice for [engaged couples](https://www.zola.com/expert-advice/topic/pre-wedding-activities/getting-engaged).\n","tag":"List","widget1":{"marketingModule":{"tag":"EA_Masterbrand"}},"nextUp":[{"excerpt":"Want to find out where your partner stands on marriage, but not sure how to broach the subject? Read on to find how and when to talk about marriage when dating.","title":"How to Talk About Marriage When Dating","slug":"how-to-talk-about-marriage-when-dating","topic":"Relationship advice","tag":"How To","heroImage":{"src":"//images.ctfassets.net/77l22z9el0aa/4XxX5CB6Xz06uYVX1pkihD/8363ec8437cf3a9816750c0a772ef8fb/Hero_TraditionalNuptialsinMiami_InfiniteLoopPhotography_Films.jpg","altText":"Talk About Marriage When Dating"},"type":"articlePage"}],"stickyCta":{"copy":"Start Planning With Zola","url":"https://www.zola.com/wedding/onboard?product=WEDDING_PLANNING"},"updatedAt":"2024-02-05T16:39:31.159Z"},{"type":"articlePage","topic":{"name":"Relationship advice","slug":"relationship-advice"},"subtopic":{"name":"Dating","slug":"dating"},"slug":"how-to-talk-about-marriage-when-dating","title":"How to Talk About Marriage When Dating","excerpt":"Want to find out where your partner stands on marriage, but not sure how to broach the subject? Read on to find how and when to talk about marriage when dating.","publishedAt":"2020-12-22T20:35:08.748Z","heroImage":{"src":"//images.ctfassets.net/77l22z9el0aa/4XxX5CB6Xz06uYVX1pkihD/8363ec8437cf3a9816750c0a772ef8fb/Hero_TraditionalNuptialsinMiami_InfiniteLoopPhotography_Films.jpg","altText":"Talk About Marriage When Dating"},"heroCredit":"Infinite Loop Photography+Films","body":"When dating, it can be nerve-wracking to broach the subject of marriage. But for those who think they’ve found a long-term partner and are ready to have a frank discussion about where the relationship is heading, this is an important step—and there are several important things to consider. \n\nIf you’re ready to take the plunge, here’s some sage expert advice about how to talk about marriage while you’re still dating. \n\n## Consider Your Timing\nFirst, it’s important to have a candid talk with your partner about where the relationship is heading and whether you both agree marriage is in the cards. When exactly this conversation should happen is based in part on your age and your priorities. \n\nIf you’re around 30 or older, it’s critical to talk about where the relationship is heading after being together for six months or so, especially if a woman wants to have children, advises [Yvonne Thomas](https://www.yvonnethomasphd.com/), Ph.D., a Los Angeles–based psychologist whose specialties include relationships. (The talk could happen as early as three months if things look serious.) “But if people are in their 20s, sometimes you're just having fun—you don't have to worry about biological time clocks,” says Thomas. \n\n![Zola_How to Talk About Marriage When Dating](//images.ctfassets.net/77l22z9el0aa/4yqVzRoVg6s2SRVDqApGJ3/8a64ed447f14792145548b14505a57a7/Inline_unsplash__39_.png)\n*Photo Credit* // Unsplash\n\n## Read the Room\n\nMake sure the conditions are right for these kinds of serious discussions. “You don't want to freak anybody out and you want to do it lovingly,” says Thomas. “You want to do it as a team, so it needs to be non-adversarial and needs to be calm. Nobody should have been drinking or under the influence of anything. You want to be clear-headed. You want to be able to be in a good frame of mind, not too tired, not cranky.”\n\n## Set a Tone of Honesty \n\nConversations about marriage during dating can feel more difficult for many reasons. Sometimes one partner feels more ready than the other and doesn’t want to be pushy. Other times one partner cannot fully commit or may not feel mature enough to marry and make a lifelong commitment to anyone yet. This begs the question about whether the more ready partner should wait. In those cases, frank and open discussions need to be had about whether they both want each other as life partners and have the same desire to marry one another. If those things are the same, then sometimes couples can compromise on a timeline and discuss what may need to happen first. \n\n“When having marriage discussions, it’s best, to be honest about where you stand and listen carefully to the other person without being pushy,” says [Dr. Paulette Sherman](https://drpaulettesherman.com/), a psychologist, author of [Marriage and the Law of Attraction](https://www.amazon.com/Marriage-Law-Attraction-Creating-Relationship/dp/0991540557) and the host of The Love Psychologist podcast. “It is important to take your partner at their word and not to create a story that they will change their mind.” \n\nConsider prefacing the talk as one where you’ll both be honest and respect each other. “Go into the conversation with a loving and on-the-same-team kind of spirit,” says Thomas. “You want to make it non-threatening because you want each party to be transparent.” \n\n## Be Upfront About What You Want \n\n“If marriage is a non-negotiable for you, don’t be afraid to state that as early as a first date,” says [Anita Chlipala](https://www.relationshipreality312.com/), a Chicago-based licensed marriage, and family therapist. “Someone who also wants marriage won’t freak out because you stated your desire early on. I’ve worked with couples who spent years together and end up gridlocked over the issue of one partner wanting marriage and the other one doesn’t. If you don’t want to waste your time, make sure you continue to date someone whose end goal is the same as yours.”\n\n## Get in the Details of the Future\nDon’t focus only on the details of your dream wedding, but rather on the broad specifics of your lives together. “A wedding and a marriage are two separate things,” points out [Crystal Bradshaw](https://www.synergycounselinginnovations.com/), a licensed professional counselor specializing in couples counseling. “When talking about marriage, you need to focus on how you will both go through life together as teammates. You’ll have to talk about what your expectations are for each other as partners, as parents (if you want to have kids), as well as your expectations of the relationship. Don’t assume your partner shares your definition of marriage. Get explicit with this conversation, leave nothing to assumption.” Bradshaw recommends starting with these questions and topics:\n\n- Share your hopes, dreams, visions, and goals for your life.\n- Identify the core values and see how closely you match up, as those will be the pillars on which you build your relationship.\n- Explore what marriage means to you and why it’s important. What is it that you look to get out of marriage?\n- What do you envision for yourself two, seven, 12, or even 32 years from now? Do the visions you have for yourself align with your partner?\n- What life dreams do you share? Are there any life dreams that would create an obstacle or conflict? Have you given any thought to how you would approach obstacles that you don’t see eye-to-eye on?\n- What have you not considered that you need to reflect on?\n- In what ways are you complementary? What are the polarities that may contribute to future challenges that will need to be navigated? Is this a person you see navigating challenges with you? How do you anticipate navigating challenges?\n\n## Get Organized\n\nThomas recommends each partner independently make a list with three columns: nonnegotiables/deal breakers, compromises, and nice-to-haves. Compromises are the ones where everybody could give a little bit to meet in the middle. Nice-to-haves are, well, nice to have, but not necessary. Then, tackle each of your important topics, sorting each into a column: children, religion, family, jobs, where you want to live, etc. Then compare notes with your partner. This exercise will help clarify where you both stand and how much room for compromise exists around the life topics you care about. \n\n## Give It Time—and Space\n![Zola_How to Talk About Marriage When Dating](//images.ctfassets.net/77l22z9el0aa/5SHtGqeFV7V0pndZbWEYRr/07dfc1b56374f84b7839cdf4b9826a0c/Inline_unsplash__38_.png)\n*Photo Credit* // Unsplash\n\nFor these heavy conversations with your partner, it’s best to have a series of conversations over time instead of one hash-it-all-out session. The first conversation can cover whether you’re both interested in marriage at all in general and then proceed from there.\n\nIt’s important to spend time reflecting separately, Thomas notes. “Let each other have space and time to think about it on their own so that they can come back as authentic and as real as possible. Each person needs to know their truth and speak their truth. And the other one's going to have to hear it.”\n\nThe bottom line: If you're in a long term relationship, good communication is key. Before jumping into marriage, discuss important topics like religion, life goals, commitment, and finances. The sooner you have these difficult conversations and ask the important questions, the faster you'll be able to tell if the two of you are made for each other.\n","tag":"How To","widget1":{"marketingModule":{"tag":"EA_Masterbrand"}},"nextUp":[{"excerpt":"Just engaged and wondering what’s next? A lot goes into wedding planning, but you don’t have to do it all at once. Here are the must-do to-dos after getting engaged.","title":"Just Engaged? Here’s What To Do Next!","slug":"to-dos-after-you-get-engaged","topic":"Getting engaged","tag":"Inspiration","heroImage":{"src":"//images.ctfassets.net/77l22z9el0aa/6KWedC7RqcjzNqK8zy0LoU/286c6acfc830a30a9ac4d274ebf14501/Hero_New.jpg","altText":"Illustration graphic of an engagement ring box with a wedding ring and shine marks to indicate sparkle"},"type":"articlePage"}],"stickyCta":{"copy":"Start Planning With Zola","url":"https://www.zola.com/wedding/onboard?product=WEDDING_PLANNING"},"updatedAt":"2024-02-05T16:39:24.337Z"}],"name":"Dating","slug":"dating","description":"Whether you just started dating and are looking for special birthday gift ideas or have been dating for sometime and need guidance on how to talk about bringing your relationship to the next level. Find practical dating advice for every couple."},{"featuredArticles":[],"name":"Newly engaged couples","slug":"newly-engaged-couples","description":"Congratulations on your engagement! In the midst of planning your wedding, you might need general advice on navigating life as a newly engaged couple. We give expert advice on topics like navigating a long distance engagement and answer questions like how to introduce your fiance to your family. We're here to guide and support you, in all ways, throughout this journey!"},{"name":"Newlywed couples","slug":"newlywed-couples","description":"Congrats Newlyweds! As your wedding celebrations come to an end, you might be asking yourselves some questions on topics like combining finances, navigating post-wedding blues (it's a thing!) or buying a house and preparing to start a family. Find expert marriage advice to guide you through the start of your forever and beyond."},{"featuredArticles":[],"name":"Anniversaries","slug":"anniversaries","description":"Your guide to celebrating wedding anniversaries! From anniversary gifts by year to celebrating with a vow renewal ceremony, find all the advice and inspiration you need to make every anniversary super special."}],"featured":[{"type":"articlePage","topic":{"name":"Relationship advice","slug":"relationship-advice"},"subtopic":{"name":"Newlywed couples","slug":"newlywed-couples"},"slug":"the-3-best-pieces-of-marriage-advice-according-to-a-marriage-therapist","title":"20 Best Marriage Advice Tips from Experts and Old Couples","excerpt":"We spoke with a marriage therapist and couples about their best marriage advice for engaged couples, newlyweds, and couples celebrating another year of marriage.","author":"McCall Minnor","publishedAt":"2024-03-19T11:00-04:00","heroImage":{"src":"//images.ctfassets.net/77l22z9el0aa/7yk1TfwWjXPYXYiIyuvc4B/a8e8f51ad7935471908fa94113c38734/Hero_MountainDestinationWeddingatTheMagnoliaVenue_HeatherFaulknerPhotograhy.jpg","altText":"Mixed race bride and groom looking at each other lovingly on their big day"},"heroCredit":"Heather Faulkner Photograhy","body":"Marriage isn’t all bliss and riding off into the night after you say your I do’s. While your love for your partner may feel as strong as ever post-nuptials, marriages take effort and a continual choice to honor your vows daily. Make no mistake, this is no easy feat. That’s why there’s no shame in seeking out relationship advice that could aid in keeping your union as strong and healthy as ever.\n\nWe rounded up the [best advice for marriage](https://www.zola.com/expert-advice/topic/relationship-advice) from therapists and couples whose love has stood the test of time. See our 20 top marriage advice tips below.\n\n## 1. Marriage is work\n\nYou must be willing to put in the work. “You have to know that love is more than an emotion,” notes Mary Kay Cocharo, licensed marriage and family therapist. Being in a relationship, especially a marriage, needs more than your fondness for one another to last. “People fall in love, so they decide they should be partners and get married,” she says. “And while love is great and propels you into that commitment, it’s just the beginning. It’s not enough. A really good partnership takes commitment and kindness and generosity, and it requires tools like good communication.”\n\n![The 3 Best Pieces of Marriage Advice, According to a Marriage Therapist](//images.ctfassets.net/77l22z9el0aa/21YPS00yipioc55eyxZxfr/bba0aaf048616219ca213681145abbc9/inline_unsplash_1_.jpg)\n*Photo Credit* // Unsplash\n\n## 2. Listen more\n\nWithout a doubt, every healthy marriage will hit a rough spot, be it internal or external. When that happens, your love for each other will be the thing that makes you want to get through it, but it can’t do all the heavy lifting alone. That’s when you have to be able to have productive conversations, understand your partner’s perspective, and decide how to move forward.\n\n## 3. The honeymoon will end\n\n“When couples get married, those early hormones and chemicals that happen towards the beginning of a relationship—the ones that launch us into commitment—start to wear off. Neuroscientists tell us this happens after about two years,” Cocharo explains. What she’s referring to is a study done by a team from the University of Pisa in Italy. They found that the bodily chemistry that makes people sexually attracted to a new partner lasts, at most, for two years. “They wear off, and now you’re looking at [your partner] and realize, oh, we have differences.”\n\nExpecting this and knowing it’s inevitable (and completely normal) softens the initial blow tremendously. If you recognize this before it happens, you can even work to make sure you have the tools to get through future married life difficulties.\n\n## 4. Use the right tools\n\nLearn and use relationship tools like good communication, healthy boundaries, and actively showing your partner love. These marriage work tools heavily aid in resolving disagreements and getting through those inevitable tough times. “Sometimes couples will hit something difficult and use that to mean they’ve chosen the wrong person or that it’s over. That’s just not true,” Cocharo says.\n\n“It’s hard, and sometimes you don’t have the proper tools. Maybe you didn’t grow up in a situation that taught you about love and respect or being a married partner. In that case, you just need to get the help. You don’t just give up.”\n\nNot sure where to get the tools? Consult a marriage therapist. There are also tons of helpful books, workbooks, workshops, and even phone apps (try [Love Nudge](https://play.google.com/store/apps/details?id=com.grootersproductions.challenge&hl=en)) you can use to do couples’ exercises and prompt conversations with your partner. So long as you’re willing to seek out help (and you have an internet connection), you have the ability to learn and use the tools that will take your marriage the distance.\n\n## 5. Take care of yourself\n\nAn often overlooked key part of having a successful marriage is taking care of yourself. “When some people get married, they think it’s their partner’s job to take care of them. In reality, everyone is busy and has a lot on their plate—you really do need to put on your own oxygen mask first,” says Cocharo. This isn’t to say that you can’t lean on your partner and vice-versa, but rather that when you get married, you should continue to treat your well-being and self-care as a priority. Don’t expect that responsibility to be handed off to your loved one. Making time for self care assures you’re happy and healthy and lets you bring your best self to the relationship.\n\n“Make sure you’re doing the things that make you a happy, healthy, whole person. Simple things like eating right, exercising, and getting out in nature. Maybe praying or meditating, reading, or whatever calms you down. Also, going to see friends and visiting family,” Cocharo suggests.\n\n## 6. Marriage is 60/40\n\nSome people say marriage is 50/50, but that’s really hard to measure, and it often ends up with both partners feeling shorted. With the [60/40 relationship rule](https://psychiatristsnyc.com/blog/want-a-successful-relationship-practice-this-one-rule/), a marriage is uneven, with both partners feeling like they’re giving 60%. When you put in 60%, “you’re giving your partner love on their terms,” says Mt. Sinai psychiatrist and relationship expert Amanda Itzkoff. “When both partners focus on giving 60% and taking just 40%, the relationship has an overwhelming chance of being successful.”\n\n![Stocksy txp05f31680VSp300 Large 4393583](//images.ctfassets.net/77l22z9el0aa/M61DW5GeWvu5fk28aEm4F/6ff9b06201a5df87012dcbd2edecf6bd/Stocksy_txp05f31680VSp300_Large_4393583.jpg)\n\n## 7. Lose the battle, win the war\n\nYou might feel like you *have to get them to mow the lawn today, or if you pay for that new kitchen, you won’t save enough this year*. Go ahead and lose those smaller battles now to build a healthier marriage. As Benjamin Franklin famously said, “If you argue and rankle and contradict, you may achieve a victory sometimes, but it will be an empty victory because you will never get your opponent’s good will.”\n\n## 8. Start counseling before you need it\n\nWaiting until there’s a problem before you start marriage therapy is like waiting to get teeth pulled instead of flossing every night. According to Marriage.com, the [best time to start couple’s therapy](https://www.marriage.com/advice/pre-marriage/when-to-start-pre-marital-counseling/) is as soon as possible, and preferably before you’re married. Think of marriage counseling like coaching, not a sign that something is broken. Choose a good coach, and use it as an opportunity to work on and change yourself—not your partner.\n\n## 9. Listen to audiobooks\n\nOne chief cause of marital stress is endlessly replaying arguments after they have ended. After an argument, the tendency is to stew about it and try to make sense of it. While working to understand is healthy, it can put your emotions on perpetual simmer. Listening to an audiobook while you mow the lawn or do the dishes can keep you from stewing, give your feelings time to reset, and even show you good ideas that can help you strengthen your relationship. Get an Audible subscription or a free app from your local library.\n\n## 10. Eat first, fight later\n\nThis piece of marriage advice is so simple it’s easy to overlook it. Before you talk to your spouse, have a meal or at least a snack. [Eating a meal increases agreeableness](https://pubmed.ncbi.nlm.nih.gov/25770700/) (so your partner is more likely to see your point of view) and reduces dominance and submissiveness (so you’re less likely to be overbearing or give in too easily). Feel a fight coming on? Take a snack break.\n\n## 11. Give grace\n\nSpoiler alert: Your spouse isn’t going to do everything right. In fact, they’ll often do things very wrong. If you keep a tally of every way they’ve let you down, you may win on points, but your relationship will lose. Grace is saying, “You did wrong, but I forgive you, and I love you anyway.” Give your partner a clean slate every day (and every hour). And while you’re at it, give some of that forgiveness to yourself.\n\n![The 3 Best Pieces of Marriage Advice, According to a Marriage Therapist](//images.ctfassets.net/77l22z9el0aa/1HJfLa2CMijLEdHHEsEu1S/a4c519b7964854f6d9dc505d26ea971a/inline_unsplash.jpg)*Photo Credit* // Unsplash\n\n## 12. Don’t assume\n\nOur brains are good at filling in the blanks. The problem is it’s easy to fill in someone else’s thoughts. That’s why talking without judging, arguing, or adding your opinions is so healthy for relationships. When you let your partner talk, you won’t have to fill in any blanks. You’ll know. Sound easy? It’s not. Active listening is a skill you’ll have to learn, like playing the piano or shooting jump shots. You can start with Kate Murphy’s eye-opening book, *[You’re Not Listening](https://www.amazon.com/Youre-Not-Listening-Missing-Matters/dp/1250779871/ref=asc_df_1250779871/?tag=hyprod-20&linkCode=df0&hvadid=507975958237&hvpos=&hvnetw=g&hvrand=4121891810911394376&hvpone=&hvptwo=&hvqmt=&hvdev=c&hvdvcmdl=&hvlocint=&hvlocphy=9009250&hvtargid=pla-927127602652&psc=1&mcid=8b3bcf03afe0323998a173033f904849&gclid=CjwKCAiAs6-sBhBmEiwA1Nl8s6BMtsMauL9PKTvLkL8cIwriOgAOodo2CRdL2l8b-3Dri_GbvanGvhoCsssQAvD_BwE)*.\n\n## 13. Learn to fight\n\nPrediction: you will fight. But—you can fight in a way that weakens your relationship or strengthens it. The secret here is that nobody is born knowing how to fight the right way. And though there’s plenty of great advice online (be respectful, take a break if things get heated, use active listening), they’re easier said than done. So, consider taking a class on how to fight. Some marriage counselors and churches offer fighting classes for couples, and the online [Couples Fight School](https://masteringconflict.com/couples-fight-school/) can be a fun, rewarding experience for both of you.\n\n## 14. Learn to apologize\n\nWe all know we should eat humble pie from time to time, but did you know there’s a right way and a wrong way? The key is to accept full responsibility (no buts), then take your lumps. Expect your partner to unload on you after you say you’re sorry and accept it with more listening. Then, be willing to make it right, give in, and give up something you thought you really wanted. (What’s more important, winning the argument or your marriage?)\n\n## 15. Be a team\n\nYou’re in this together. While this may sound like cliche marriage advice, the key point is to see problems as both of you vs the problem, not both of you against each other. Don’t blame each other. For a little inspiration, see this *Atlantic* article: [Marriage Is a Team Sport](https://www.theatlantic.com/family/archive/2022/11/how-collaboration-can-improve-marriage-relationships/672048/).\n\n## 16. Spend now or spend later\n\nIs it too expensive to take your spouse out to eat once a week? Is time precious to you? You may want to spend time or money on things that set you up for a good life later, but what good will it do you if there’s nobody there to share it with? Spend a big chunk of your time and money on your spouse now, even if it’s not the smartest play for your career or finances. If you don’t, you may spend it later in divorce proceedings and custody arrangements.\n\n![newly engaged couple in debt](//images.ctfassets.net/77l22z9el0aa/7GFbYLisIT4eBAT2WM3y31/247792361f0df7f70e34e6d542dffcb1/HERO_Unsplash_1080x720__6_.jpg)\n\n## 17. Love is a decision, not a feeling\n\nIf you don’t feel loved, you may mistakenly conclude your marriage is a failure. And while [most couples](https://www.prnewswire.com/news-releases/64-percent-of-americans-say-theyre-happy-in-their-relationships-300595502.html) report being happy with their marriages, there will undoubtedly be times you don’t feel loved at all. When that happens, take comfort in knowing that [love is more of a choice](https://psychcentral.com/relationships/love-is-a-choice-more-than-a-feeling) than a feeling. To choose from the heart, read the Amazon bestseller *[Love Is a Decision](https://www.amazon.com/Love-Decision-Gary-Smalley/dp/0849942683)* by marriage counselor Gary Smalley.\n\n## 18. Let them grow\n\n“You’re not the woman I married.” Surprise—she won’t be. In fact, 90% of adults will change at *least* one major personality trait in the next few years. So, if your marriage lasts 50 years, you might end up married to a completely different person from the one you said “I do” to. The gold nugget of marriage advice here is to accept that from the start. Instead of resisting change, expect it, celebrate it, and accept it.\n\n## 19. Just show up\n\nYou don’t have to have an opinion on every issue or a solution to every problem. You don’t even need to say something every time there’s a lull in the conversation. Sometimes, just your presence can show you’re there for your partner, and that can win their goodwill. That’s a lot better than looking like you have all the answers.\n\n## 20. You can’t fix them, so don’t\n\nYour partner is going to have flaws, and some of them will be big. You can encourage and support them, but you can’t repair their damage. While this can be a hard pill to swallow, you married them, not the person they could be. You can help that medicine go down by acknowledging your own flaws and spending some time reflecting on their strengths. Accept and honor who they are, [along with your differences](https://www.stanfordcouplescounseling.com/rebuilding-emotional-safety-strengthening-your-relationship-by-accepting-your-partners-differences-part-3/).\n\nAlthough we here at Zola concentrate on wedding planning, we also realize that your celebration is a small part of your lifetime together. While you’re [choosing flowers](https://www.zola.com/expert-advice/the-most-popular-wedding-flowers), arranging the [ceremony](https://www.zola.com/expert-advice/a-guide-to-the-wedding-ceremony-order-of-events), and planning the [honeymoon](https://www.zola.com/expert-advice/best-honeymoon-destinations), don’t forget that your wedding is the start of a lifetime together. We want to give you the best start you can have—from the planning stages of your engagement to the start of a beautiful life partnership. ","tag":"Advice","widget1":{"marketingModule":{"tag":"EA_Masterbrand"}},"nextUp":[{"excerpt":"Just engaged and wondering what’s next? A lot goes into wedding planning, but you don’t have to do it all at once. Here are the must-do to-dos after getting engaged.","title":"Just Engaged? Here’s What To Do Next!","slug":"to-dos-after-you-get-engaged","topic":"Getting engaged","tag":"Inspiration","heroImage":{"src":"//images.ctfassets.net/77l22z9el0aa/6KWedC7RqcjzNqK8zy0LoU/286c6acfc830a30a9ac4d274ebf14501/Hero_New.jpg","altText":"Illustration graphic of an engagement ring box with a wedding ring and shine marks to indicate sparkle"},"type":"articlePage"},{"excerpt":"Want to find out where your partner stands on marriage, but not sure how to broach the subject? 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