| Although no potential bride or groom wants to | | | | If in the unfortunate event a member of the |
| think about something ruining their wedding | | | | bridal party or a family member is injured |
| day, emergencies and disasters can and do | | | | prior to the big day, wedding insurance will |
| happen and are out of our control. Wedding | | | | allow you to postpone until everyone is able |
| insurance can give you peace of mind and | | | | to attend and still recoup your losses. |
| protect you from the unexpected, but is it | | | | |
| worth the added cost? Here are some facts for | | | | Say, for instance, your reception site goes |
| you and your betrothed to consider when | | | | up in flames the week before your wedding and |
| deciding whether to obtain wedding insurance. | | | | is completely destroyed. With wedding |
| | | | insurance, you'd be able to get your deposit |
| What is wedding insurance? | | | | back and book another location. |
| | | | |
| A wedding insurance policy protects a couple | | | | A winter wedding must be postponed due to an |
| who is getting married against unforeseen | | | | incredible ice storm that's paralyzed the |
| circumstances and reimburses them for any | | | | airports and highways, making it impossible |
| expenses incurred. | | | | for the wedding party, let alone the guests, |
| | | | to arrive safely. With the right type of |
| Is wedding insurance expensive? | | | | policy, the losses from postponing can be |
| | | | recouped minus the deductible. |
| The cost for this type of event insurance can | | | | |
| vary widely from company to company. The cost | | | | If the bride or groom are a member of the |
| will also depend on what sort of coverage you | | | | military and get suddenly gets called to |
| get, and what is exactly covered under your | | | | duty, wedding insurance would cover the cost |
| particular policy. | | | | of delaying the event. This could also apply |
| | | | to corporate moves such as the groom's |
| Basic policies that cover loss of photos, | | | | company relocating him across country at a |
| attire, gifts, food, rings and deposits for | | | | moment's notice. |
| vendors can generally range from around $150 | | | | |
| - $550. Personal liability covering up to | | | | What are the key points to consider when |
| $1,000 for accidents or injury usually ends | | | | deciding on wedding insurance? |
| up being a little under $200. | | | | |
| | | | - Keep in mind that prices vary and so does |
| What are the basics covered under wedding | | | | the coverage. Make sure you completely |
| insurance? | | | | understand what you're getting before you |
| | | | sign. |
| As widely as costs vary for wedding | | | | |
| insurance, coverage can as well, so be sure | | | | - Be sure that any vendors you use, such as |
| to do your research and choose a policy that | | | | the caterer or reception site, aren't |
| best suits your individual needs. Some | | | | already insured to avoid paying for |
| typical things covered are circumstances due | | | | overlapping coverage and thus wasting money. |
| to weather or with your ceremony or reception | | | | |
| sites, as well as injury or illness and | | | | - The sooner you make the decision to get |
| problems with vendors. | | | | wedding insurance the better. Some companies, |
| | | | however, have limitations as to how early you |
| What are some scenarios where wedding | | | | can purchase a policy while others encourage |
| insurance would be helpful? | | | | obtaining insurance about a year ahead of the |
| | | | event. |