Weddings by Christina
Officiant, Ordained Minister &
Ceremony Designer
Serving Manatee, Sarasota, Charlotte,Hillsborough & Pinellas Counties
Wedding Insurance
What is Wedding Insurance?
Wedding Insurance is exactly what it sounds like – an insurance policy that covers
your wedding and financially protects you against a wedding day disaster. Wedding
Insurance policies are relatively inexpensive – a basic policy costs between $125 to
$500 – and can help you have peace of mind.

Do I Really Need Wedding Insurance?
The decision to purchase Wedding Insurance is a highly personal one – a financial
decision that is an additional cost for your wedding budget, but will protect you
from unforeseen disasters and mishaps. Since the average cost of a wedding in the
U.S stands at about $27,000, wedding insurance becomes more of a necessity.
Think of it this way -  you wouldn't’ buy a new car that cost that much without
insuring it against damage.  Keep in mind that you can get a less expensive policy
that will only cover either a smaller wedding or a specific part (such as if you’re  
your luggage getting lost en route to your destination wedding; wedding insurance
could cover the cost of quickly replacing your gown and tuxedo.)

What Wedding Insurance Policies Typically Cover
(Be sure to read the fine print of your policy to make sure they cover these things!)

Weather If your celebration has to be postponed because of rain or other
bad weather, your policy should cover the cost of rescheduling.
Illness or Injury If essential people get sick or injured and cause the
wedding to be postponed, the expenses involved with that postponement are
covered.
A Missing Officiant If your officiant, minister, or other celebrant should be
a no-show, you’ll recoup some of your costs.
Missing Vendors Similarly, if your caterer, florist, photographer, or other
key vendor is missing in action, you’ll recover some costs and possibly the
costs of rescheduling the whole thing.
Your Location If your ceremony and reception sites don’t already carry
their own insurance, your wedding insurance policy can cover damage to the
site, fire, electrical or mechanical problems, or going out of business that
causes you to lose money or have to reschedule.

Additional Riders You Can Purchase
Military Service Should the bride or groom be in the military or active
reserves, you’ll want to be insured in case they are called to duty suddenly
and everything has to be postponed.
Your Gowns and Tuxedos including stores going out of business or damage.
Gifts If your homeowners or renters insurance dosen't  cover them, you may
want to protect against theft or damage of gifts.
Liability Most sites carry liability insurance, but if you’re having your
wedding at home, you’ll want to be protected in case a guest gets hurt or
hurts someone else.
Honeymoon Protect yourself against having to cancel your trip due to illness,
bad weather or other unfortunate circumstances.

For Information on Wedding Insurance and To Obtain a Quote Contact:

WedSafe
Travelers Wedding Protection Plan
Fireman's Fund