A wedding insurance policy can cover your wedding and financially protect you against misfortune and mishap.
Wedding Insurance is exactly what it sounds like – an insurance policy that covers your wedding and financially protects you against misfortune and mishap. Wedding Insurance policies are relatively inexpensive. For as little as $160, you can protect the investment you’ve made into this one important day in your life. And, you can receive coverage anywhere from 2 weeks to 2 years before the event. Some examples of coverage include:
No Dress: If the bride’s wedding gown or the groom’s tuxedo is lost or damaged, you can receive compensation to get it repaired or replaced.
Lost Deposits: The program reimburses your deposit if a vendor goes out of business, declares bankruptcy, or fails to show up on your big day.
Lost Rings: You can receive repair or replacement cost if the bride or groom’s wedding bands are lost or damaged.
Severe Weather: If severe weather (such as a hurricane) forces you to postpone your wedding, insurance can provide reimbursement for non-recoverable expenses.
Transportation Shutdown: If you have to postpone the wedding because a commercial transportation shutdown prevents the bride, groom, or their parents from getting there, you can receive reimbursement for non-recoverable expenses.
Ruined Photos: If your photographer’s film is defective, or negatives are lost or damaged, insurance can help cover the cost to re-take new photos.
Call to Duty: If the bride or groom is unexpectedly called up to active duty, or has her or his military service leave revoked, forcing you to postpone the event, insurance can provide reimbursement for non-recoverable expenses.
Damaged Gifts: You can get repair or replacement costs covered if your wedding gifts are damaged.
Sudden Illness: If the wedding needs to be postponed because sudden illness prevents the bride, groom, or their parents from attending, you can receive reimbursement for non-recoverable expenses.
Venue Requires Insurance: As an additional option to your policy, you can add liability coverage to protect yourself in case a guest is injured or causes damage to property.
Liquor Liability: As an individual liability option to your policy, you can add this coverage to protect yourself against liability arising from alcohol-related occurrences (subject to policy conditions and exclusions).
Additional Expense: If a vendor suddenly becomes unavailable for your event but you can find a last-minute replacement, insurance can reimburse you for the difference in cost.
Not covered: Cold feet and undisclosed circumstances at the time the coverage is taken out. Always read the fine print or have your planner assist you.
If you want more info: The Buckner Company
Would you consider wedding insurance?