Why do I need Wedding Insurance?
By Padma Pickering
You’ve planned for the big day since you were a little girl. You have put so much time and money into making sure everything is just right. You have planned a beautiful garden ceremony in September. But now, a hurricane threathens to ruin your special day. What are you going to do?
Don’t leave your wedding day up to chance. Wedding Insurance is meant to take the worry out of all your planning. But what exactly is wedding insurance and what does it cover?
What is Wedding Insurance?
Wedding Insurance is an insurance policy designed to protect the wedding couple from financial loss due to cancellation or postponement of the wedding due to circumstances beyond their control or loss/damage of key elements of their wedding.
Wedding insurance will cover the costs if you need to postpone the wedding due to unforeseen weather events, if the bride/groom or a family member becomes ill and cannot attend the wedding, or even if the flight of a key person of the wedding party was cancelled.
Wedding insurance also covers loss from your vendors. If your limousine driver does not show up and you need to book another limousine at the last minute thus paying 3 times the expense, wedding insurance will cover the added cost. If one of your vendors goes out of business before your wedding, you are covered for the non-refundable deposit.
Most wedding insurance policies cover cancellation/postponement expenses, wedding attire, rings, photographs, gifts, video, cakes, documents, cars, flowers, vendors, general liability, personal accident, expenses and overseas travels
Do I need Wedding Insurance and how much it it?
Check with your ceremony and reception venue to see if they carry insurance and what it covers. Ask your vendors if they carry insurance as well, get a copy of their policy to see where you aren’t fully covered. Do no wait until the last minute to purchase wedding insurance. If you reserve a reception hall and you find out it was double booked a month before the ceremony, your insurance will cover the added expense of finding a new venue. Find the best insurance policy that fits your needs. Wedding coverage can range from $130 to $800 for cancellation/postponement depending on the coverage on WedSafe.com. Liability insurance can also be purchased for $175 for $1,000,000 coverage. Check with your homeowner’s policy for your coverage before you purchase liability insurance. Wedding Insurance can be tailored to your needs, whatever they are.
When you’re shopping around for your wedding insurance policy, make sure the wedding insurance company has a license, ask about how much reimbursement you receive if a loss takes place, and what supplemental coverage they offer.
Supplemental Coverage
In some cases, couples have had a hard time receiving the wedding pictures from the photographers or the pictures are of poor quality. Wedding Insurance can cover the cost of re-creating key wedding moments from the cake, flowers, and having key people present to have photographs re-taken.
Wedding Insurance also offers honeymoon supplement insurance. Check with your credit card or homeowners policy to see if you are covered, otherwise you can purchase honeymoon travel insurance with your wedding insurance
Wedding Insurance covers many different things but does not cover a change of heart. Be sure to purchase a wedding insurance policy that fits your needs so you can make this day a memorable one
Purchase Wedding Insurance at
http://www.protectmywedding.com
