Couples in Florida generally understand that a divorce is a lifechanging event. This affects not just the two individuals leaving the marriage, but their children, other family members and their assets. Still, many people feel surprised to know that it may affect their insurance too.

Forbes notes that one of the most commonly affected insurance types is health insurance. In most policies at work or through Healthcare.gov, one spouse receives coverage under the other person’s policy. Typically, the higher-earning spouse uses a plan sponsored by their employer.

Life insurance is another important consideration. Spouses usually designate each other as a beneficiary on their policy. However, after divorce, they may want to change this. When the higher-earning spouse pays spousal support, they may be required to maintain a policy with their ex-spouse as the beneficiary. In fact, sometimes this is a mandatory inclusion in the divorce settlement.

NerdWallet adds that disability insurance is another coverage type affected. The personal finance company cautions that people often overlook it. Divorcees who will depend on spousal support may also require their ex-spouse to have disability insurance. People have a greater chance of becoming temporarily disabled than dying before retirement.

After a divorce, ex-couples may also remove their spouse from their car insurance policy. In fact, they may wish to let their insurance company know about the divorce. For people shopping around for auto insurance after divorce, they should remain aware that they may no longer be eligible for some of the discounts they once had.

Finally, home insurance also takes a hit. When the divorce becomes final, it may be wise to ensure the policy is in the name of the person who keeps the house. Meanwhile, if the other spouse chooses not to purchase another home, they may need to look for renter’s insurance to cover their belongings wherever they choose to live.

During a divorce, shopping for insurance coverage is one of the last things many people expect to do. However, to meet divorce settlement agreements and protect their own personal interests, they should move this further up on their to-do list.