Wedding Insurance – March 2020

Are you getting Married?

What is Wedding Insurance Coverage?       

Wedding insurance is special event insurance that protects a couple’s investment that are beyond their control.  Wedding insurance protects you from losses that may arise due to any unforeseen circumstance.

Various factors that may occur

  • Venues closing
  • Vendor no shows
  • Stolen gifts
  • Damaged gown
  • Extreme weather
  • Sickness or injury
  • And more

Wedding insurance policy coverage’s

Liability Insurance – Wedding liability insurance covers damages to the venue or injuries to guests.

Liquor Liability – This is optional wedding day coverage that can protect against on premises alcohol-related accidents that can result in your liability.  (Check to see if liquor liability is included or is an optional coverage in your policy.)

Cancellation or postponement coverage – Wedding Insurance cancellation coverage helps protect you from financial loss if your event needs to be canceled or postponed due to family illness, extreme weather, bride or groom being called for military deployment, or some other unexpected reason.

What Does Wedding Insurance Cover?

  • Wedding Video/Photo Coverage – Wedding insurance includes coverage for photos and videos. If your photographer or videographer doesn’t show up for the event, or does not deliver photos and videos when promised, you’re covered
  • Protection for Wedding Gifts – Provides coverage for wedding gifts (excluding cash and gift cards).
  • Special Attire and Jewelry Coverage – Covers for lost or damage dresses or attire. Special jewelry coverage includes lost or damaged wedding rings (may or may not be included in your policy. Not all policies cover jewelry coverage).
  • Coverage for Lost Deposits – Wedding Insurance protects lost deposits, such as those paid to bakers, caterers, bridal boutiques and wedding venues that go out of business.
  • Additional Wedding Expenses – Wedding Insurance can provide coverage for additional and unexpected expensed that come up, such as replacing a damaged wedding cake, spoiled food and other glitches in catering and entertainment.

Wedding insurance doesn’t cover

A wedding policy will cover about anything outside of you control that will ruin your big day.  There are some things that a wedding policy will not cover.

  1. Cold feet or change of heart with a few exceptions.
  2. A rainy day, rather than extreme weather.
  3. Deciding to switch to a different vendor, such as a caterer or florist, once you’ve already paid a deposit.

It’s a good idea to purchase your wedding insurance as soon as your start incurring expenses.  Keep in mind, there may be restriction when you may be able to purchase cancellation coverage – often no later than 15 days before the event but no sooner than two years prior.  You may be able to purchase liability coverage up to one day prior to the event.

Hopefully your wedding day goes of just as you planned but having wedding insurance provides you with security and peace of mind so you can focus on getting ready for your big day.