A destination wedding is special in so many ways. Couples may be drawn to a destination wedding because of a location that is special to them, or for the opportunity to have a smaller celebration. No matter the reason, a destination wedding requires unique considerations in planning and a couple’s destination wedding insurance policy should reflect that.
Just because your wedding is smaller, or in a non-traditional locale, doesn’t mean you should forgo insurance. There are many things that could still go wrong during your wedding that you need to be prepared for, such as:
- Natural disasters: A storm either at your destination or at home can spell big trouble. There could be the possibility that you and your guests are unable to travel due to a heavy snowstorm, rain, or hurricane. Or, island you plan to marry on could experience some bad weather as well. Either way, you don’t want to have to cancel your wedding because of delayed flights or destroyed venues. Having destination wedding insurance can help to protect you from these worst-case scenarios.
- Illness: If you or a member of your wedding party is unable to participate in the festivities because of an illness, forcing you to cancel or postpone, you may lose your vendor deposits. Insurance would help you to recover your losses.
- Vendor cancellations or no-shows: Once you’re at your wedding destination, you don’t want to have to deal with unexpected vendor cancellations. If the photographer doesn’t show and you need to hire a more expensive replacement at the last minute, insurance would help to cover the difference.
- Missing officiant: It is possible for the person officiating your wedding to also be a no-show or cancel at the last minute. Hopefully this doesn’t happen, but if it does, insurance will help you to recover some of the costs.
- Lost or damaged wedding necessities: If the airline loses your luggage, and with it your wedding dress and all of the decorations and gifts, you could be out a lot of money for having to buy replacements. A destination wedding policy would help to protect your loses.
- Personal liability: If one of your wedding guests accidentally breaks their leg or causes damage to the wedding facility while attending your wedding, insurance will cover any medical expenses or lawsuits. Sometimes the wedding venue will have a policy of their own, but check with their representative to see if you need a policy as well.
- While some destination wedding insurance features may be similar to non-destination weddings, such as coverage for vendor deposits and attire, destination weddings are likely to carry much heftier travel and lodging expenses. Wedding Insurance for a destination wedding can help protect the investment a couple makes to ensure their family and friends can travel to a special location to celebrate with them.
With the added expense of a destination wedding, spending a few hundred dollars on an insurance policy may give you the peace of mind you need to enjoy your big day. The cost between carriers offering wedding liability insurance is fairly minimal. Most require a small deductible for the basic policy and a larger deductible (around $1,000) for the property damage component. On average, a $1 million policy will require a premium payment between $200 and $500. It is recommended that you choose enough coverage to protect you against a loss for the worst-case scenario. Just be sure to check with your insurance agent regarding what is and isn’t covered.
An independent insurance agent can help brides and grooms understand what unique considerations need to be taken into account when purchasing destination wedding insurance. By contacting an independent agent, couples can rest assured they are getting professional advice to help them make an educated decision about how best to protect their special wedding day.
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