Don’t Skip Out On Wedding Insurance

The month of love is upon us (especially today <3), and what is the best way to protect love? Insurance. 🙂

No one likes to think about it, but things can and will go wrong on your wedding day.  Now typical mishaps may include the day running a little late, inclement weather creating issues for wedding party pictures or one of your wedding guests overdoing it at the bar. These are annoying but expected issues, but what if a larger misfortune—a sudden cancellation, stolen card box, damaged wedding dress, or limo not showing up—occurred on your wedding day? That’s where wedding insurance comes in and it can provide financial and emotional peace of mind.

Like life or health insurance, wedding insurance provides protection against unforeseen circumstances that can occur which result in damage/expenses incurred on the wedding day that need reimbursement. A wedding is one of the most special days in a couple’s life, but it’s also one of the most expensive days in a couple’s life. A wedding is an investment, and the event should be protected by insurance just in case the unexpected happens. Please note that every insurance policy is different, so it’s important to find out the details of your policy and what exactly it will cover. Generally speaking, most insurance companies will have a specified maximum amount they will cover, and the most issues they cover revolve around venue site damage, vendor no shows, and sickness or injury of essential wedding personnel.

Here are some examples of what wedding insurance may cover:

  1. If the wedding site is inaccessible on the wedding day due to weather (fire, blizzard, tornado, hurricane).
  2. One of the couple’s parents is injured in a car accident right before the ceremony begins and the wedding has to be postponed to another date.
  3. A wedding guest slips and falls and has to go to the hospital for their injuries.
  4. A vendor doesn’t show up and you have to hire a replacement (and likely more expensive option) under the time constraint.

Wedding insurance does not cover a breakup. If you decide you and your partner are longer the right fit that will not count. A basic insurance policy will be anywhere from $150-500 depending on the amount of coverage you want. Keep in mind every wedding is different, so the event insurance you buy for it will be too.

Monday, February 14, 2022

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