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Say "I do" to Wedding Insurance

November 23, 2012

Have you had sleepless nights worrying about what could go wrong on your wedding day? Unfortunately, some of the wedding nightmares you have imagined can come true. Wedding Insurance can help insure your wedding day dreams.

Planning your dream wedding is something you have dreamt about forever, and one of the most important days of your life. Wedding Insurance can protect your financial investments to insure that your wedding day is everything it should be.

More and more couples are choosing wedding insurance to guard against issues such as lost deposits, host liability coverage, gift breakage, lost or damaged photographs and unavoidable cancellation or postponement due to military leave. Wedding Insurance policies are relatively inexpensive – a basic policy costs between $125 to $500 – and can help you have peace of mind.

Wedding Insurance typically insures the following:

  • Weather If your celebration has to be postponed due to inclement weather, your policy should cover the cost of rescheduling.
  • Illness or Injury If key people get sick or injured which cause the wedding to be postponed, the expenses involved with that postponement are covered.
  • A Missing Officiant If your minister, justice of the peace, rabbi or other celebrant is a no-show, you’ll recoup some of your costs.
  • Vendor/Venue Problems If your caterer, florist, photographer, or other key vendors are missing in action, you can recover some costs and possibly the costs of rescheduling the entire event. *

Additional Riders you can obtain are:

  • 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 doesn’t cover them, you may want to protect against theft or damage of gifts.
  • Liability Most venues 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.

* More than 40 percent of all wedding insurance claims filed during the past two years involved unforeseen problems with vendors and venues, some of which went bankrupt due in part to the worsening economy. Data has revealed that 43 percent of claims have stemmed from problems with caterers, photographers, wedding planners and other vendors. In some cases, vendors failed to show up on day of the wedding. In other instances, venues went out of business or experienced some other financial setback.

What Isn’t Covered

  • Cancellation due to cold feet
  • Cancellation due to something you already knew when you took out the policy.

The decision to purchase Wedding Insurance is a personal one – a financial decision that is an additional cost for your wedding budget, but will protect you from unforeseen disasters and mishaps. As the average cost of weddings rises, now $27,000 in the US, wedding insurance should be thought of as a necessity.

For More Information on Wedding Insurance you can contact:

 

 
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