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Kim Kardashian and her fiancé Kris Humphries are hedging their bets — they’re hammering out a prenup before they tie the knot … TMZ has learned.

Sources close to the couple tell us … both Kim and her NBA star hubby-to-be are telling friends, “It’s the smart thing to do.” And, by the way, they’re right.

We’re told the move isn’t one-sided. Both Kim and Kris have tons of loot. Kim is worth a reported $35 mil.

As for Kris … he’s not only making $3.2 mil a year with the Nets, his family also owns a couple of burger joints in Minnesota. Kris’ net worth is estimated at $8 million.

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We’re told Kim’s late father, famed O.J. Simpson attorney Robert Kardashian, told her about the importance of contracts … and Kim feels her dad would have wanted her to take financial precautions.

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