It’s no surprise that planning a wedding can be stressful. Deciding on locations, vendors, a guest list, attire—everything needs to be planned down to the last detail. And none of it is cheap. Yet, some future brides and grooms forget that their wedding is a financial investment that needs to be protected. Having the right wedding rehearsal dinner insurance will give you the peace of mind you need to have a relaxing and enjoyable day that you will remember forever.
As with everything else, you can purchase general wedding insurance, or more specific protection, like for your wedding rings, your attire, or if you need to cancel unexpectedly. In fact, the Enhanced Insurance website can provide you with information on almost any type of wedding-related coverage you might need. But, what about the day before the wedding? Traditionally, the bride and groom gather with their wedding party and close relatives for a celebration after the rehearsal. The dinner can be a simple affair, or cost thousands of dollars, and is often overlooked when considering wedding insurance.
Just like the wedding itself, there are many factors that are beyond your control, such as the weather, vendor cancellation, sickness or injury, and rescheduling. The rehearsal is an important component of the wedding celebration, and you don’t want to overlook any potential mishaps.
Typically, you will not need to purchase separate wedding rehearsal dinner insurance because it will be an optional addition to a general liability policy. There are several options that you may want to consider, which are listed below.
General Wedding Insurance
Comprehensive wedding insurance is a viable coverage option. This type of protection is all-encompassing and will protect you against everything from vendor cancellation and event rescheduling to the gifts and rented tables. Depending upon the provider, you may be able to add additional coverage for the rehearsal. Usually the rehearsal needs to be within 48 hours of the wedding in order to be covered.
Wedding Liability Insurance
As stated in our more comprehensive article about wedding liability insurance, you may also want to consider coverage that protects against bodily injury, personal injury, or property damage. If someone slips and falls while attending the rehearsal, your insurance will help to pay for the medical bills and any legal fees.
Keep in mind that if the rehearsal is held in your home, certain aspects of the liability insurance may already be covered through your renter’s or homeowner’s insurance. This may already include protection against stolen items and property damage. If additional protection is required, you can purchase an event rider on the pre-existing policy.
If the rehearsal is held somewhere other than your home, speak to the site owner to make sure they are insured. You may already be protected if the site is damaged in a storm, cannot honor your reservation, or goes out of business. The site owner may also require you to purchase your own policy with up to 2 million dollars in liability protection.
Speak to an Agent
From the wedding rehearsal to the final dance of the evening, it is important that your special day is protected. Contact your insurance agent today to discuss the right plan for you.
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