You’ll remember your wedding for the rest of your life. When you’ve been preparing for your special day for months, maybe even years, you want to ensure that everything goes according to plan, especially since the average wedding costs about $25,000 today. With all of the time, thought, and money you’ve already put in, it’s upsetting to imagine something going wrong on your wedding day. However, as any wedding planner can attest, even the best-laid plans can be derailed in the face of unexpected circumstances. That’s why you should consider purchasing wedding insurance.
Wedding insurance allows you to stop worrying and concentrate on enjoying your celebration. Plans can cover costs in the event that your wedding must be postponed, or liability for property damage and personal injury. There are generally two types of wedding insurance:
Wedding Cancellation Insurance
This covers the financial commitments you’ve already made in planning your wedding. Purchasing cancellation insurance will cover the lost fees and deposits to vendors if you need to cancel or postpone your wedding due to inclement weather, unforeseen illness, or accident. Military deployments may also be covered.
If your intended spouse suddenly falls ill and is unable to attend the wedding, this policy will allow you to recuperate most of the costs of postponing your wedding.
Event insurance can help to recover deposits to vendors who don’t show and cover costs to repair damaged, lost wedding clothing or gifts, and lost photography and videography. For example, if the florist you’ve hired goes out of business just before your wedding and refuses to refund your deposit, your wedding insurance policy can reimburse you for the cost of your deposit.
Wedding Legal Liability Insurance
This will cover costs associated with property damage or personal injuries incurred at the wedding or reception. So, if your reception gets a little rambunctious and reception venue holds you responsible for damages to their property, wedding liability insurance can help you cover the costs. This policy can also be amended to provide Host Liquor Liability insurance if needed. If you rent a hall, you may be required to produce a certificate of insurance. Bring a copy of your lease agreement to your local agent to discuss the contractual insurance requirement.
It’s a good idea to research and purchase wedding insurance at the same time you start to make payments (deposits for venue, florist, etc.) related to your wedding day. Insurance companies often offer basic wedding insurance packages, but it’s best to sit down with a knowledgeable insurance agent who can help you determine exactly what types and amounts of coverage are right for you and your event. Working with a good agent, you can find a reasonably priced package that is tailored to your needs. Your agent may even you a discount on premiums if both types of insurance are purchased together. For a nominal fee, wedding insurance can protect the investment you have made in the first day of the rest of your life, leaving you free to enjoy every minute of it.
Most couples planning for one of the most exciting days of their life are doing so with a detailed budget to make the wedding is an event they can afford. Knowing all the expenses that go into making a spectacular wedding day, many brides and grooms have moments of worry that something unexpected will change their plans and require an expensive fix. Thankfully a Wedding Insurance can protect the investment couples make in the first day of their marriage.
Wedding Insurance is increasingly common as people look to find ways to protect the investment they make in planning their big day. With so many large expenses associated with weddings, it’s no surprise that many brides and grooms are looking for cheap Wedding Insurance.
The best Wedding Insurance is not the same from couple to couple. Brides and grooms who wake up in the middle of the night worried about unexpected accidents or weather wreaking havoc on their carefully planned day can help to ease their minds by purchasing Wedding Insurance. Just what Wedding Insurance is the best for them depends entirely on their specific event and an independent insurance agent can help figure out what kinds of insurance coverage are best for each couple.
Many couples don’t think about Wedding Insurance until well into the wedding planning process and, at that point, are overwhelmed by the list of tasks to complete before the big day. But it’s important that couples take time to compare Wedding Insurance options in order to purchase a policy that fits their unique situation. An independent insurance professional is able to help couples look at all of the available options from a variety of insurance providers to help them find the coverage they need.
Not every wedding goes off according to plan. Weddings are subject to bad weather and other unfortunate events. Most losses can be covered by insurance.
While the majority of people want an agent involved in their purchase of insurance, many people want to see if they can save money by buying direct from the insurance company. Others want to try a direct quote to make sure the premium they’re now paying through their local agent is fair. If you want a quote for your coverage, click on the competitive quote button on the right side of this page.