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Sooo.... after an interesting Facebook post from a Wedding Coordinator, it looks like more and more people are advising that Brides and Grooms consider taking about Wedding Insurance for their weddings...
It may seem like just another unnecessary cost added to the bundles of costs that you have to contend with for your wedding but here is some information about wedding insurance that might help:
Before you buy wedding insurance, check with your each of your
vendors to see how well they're covered.
What Is Wedding Insurance?
Basically, wedding insurance protects a couple's investment from circumstances beyond their control, and reimburses expenses incurred. For example, what if your limo driver doesn't show up and you have to book another one the morning of the wedding -- for three times the price? Or what if the groom's custom-made tuxedo is lost in airport baggage, and he has to buy a new one the day before the wedding? What if your reception space goes out of business a month before the wedding, and you lose your deposit and have to book another space? These are the types of big-day financial losses that wedding insurance can help to protect.
Why Get Wedding Insurance?
Consider these scenarios:
- Janet and Dan spend months planning their winter wedding. But on wedding day, their reception site is made inaccessible by an ice storm. With the right wedding insurance policy, the couple can postpone their wedding and receive every penny they lost (less the deductible) -- including money for the invites, cake, catering, attire, and non-refundable deposits for ceremony musicians, floral designer, and other vendors.
- The bride's father is injured in a car accident just before the wedding and cannot travel. If the couple has to postpone their wedding, with wedding insurance they could be paid back their expenses to enable them to have the wedding when the father recovers.
- Right before the ceremony, Brittany's gown catches a gust of wind. Unfortunately, the tulle dances right over to the end of Uncle Howard's cigar and the dress instantly goes up in flames. Fortunately, the right insurance policy covers the replacement of the veil and gown.
Do You Really Need Wedding Insurance?
Before you buy wedding insurance, check with your each of your vendors to see how well they're covered -- your reception site or your caterer may already have their own insurance, so you wouldn't want to pay for overlapping coverage out of your own pocket. Ask your vendors for a copy of their policy, and then figure out where you aren't fully covered.
What Does Wedding Insurance Cover?
Problems with the site, weather, vendors, key people, sickness, or injury are the top concerns come wedding day. There is usually a specified maximum amount, which can be claimed under each section, and a deductible also applies. Be sure to find out the details of your insurance plan.
- Site: Check to see if your ceremony and reception site is already insured. If it's not, wedding insurance can cover the cost arising out of unavoidable cancellation (such as damage or inaccessibility to the ceremony site), if your reception hall is unable to honor your reservation because it has burned in a fire, experienced an electrical outage, or just plain closed down. Sometimes this policy covers the rehearsal dinner site, too.
- Weather: Any weather conditions which prevent the bride, groom, any relative whose presence at the wedding is essential, or the majority of the guests from reaching the premises where the wedding is to take place. Insurance covers rescheduling the wedding and all the details involved -- such as ceremony flowers, tent rental, and reception food.
- Vendor No-show: What if essential wedding people -- the caterer or the officiant, for example -- fail to show up? A wedding insurance policy usually covers cancellation or postponement of the wedding for these reasons.
- Sickness or Injury: Wedding insurance may also include sickness or injury to the bride, groom, or anyone essential to the wedding.
- Military or Job: It's true, military personnel may be shipped out at a moment's notice. Wedding insurance can cover postponement of the wedding due to the bride or groom suddenly getting called to military duty. This can also apply to a last-minute corporate move -- i.e. the bride's company suddenly relocates her to another city.
Things to Consider
Every insurance policy and every wedding scenario is different. Be sure to talk to your insurance agent -- and have him or her explain the nuts and bolts to you. You want to make sure you and your sweetie understand every detail of your policy.
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