WEDDING INSURANCE

WEDDING INSURANCE

Countless hours of planning and thousands of dollars go into the  preparations for any wedding. Wouldn't it be nice if you could protect against unforeseen events that might derail your plans? Wedding insurance can help you fall back asleep at night after you wake up from a nightmare about your wedding venue being destroyed by a tornado, and it can cover the money you've lost and help you put your wedding back together if your nightmares become reality.


Wedding insurance covers the money you would normally lose from the cancellation or postponement of your wedding due to unforeseen events. If a key vendor goes out of business before your wedding or if your immediate family or wedding attendants suddenly can't make it to your event, the insurance policy will cover the costs associated with canceling or rescheduling your wedding.
Covered perils vary slightly by insurer. Some policies are all-inclusive. Others are basic and allow you to add optional items at additional cost. Your policy may cover event photography and videography, wedding gifts, wedding attire, special jewelry, lost deposits to your vendors or venue, transportation costs, and rented property. Some policies provide optional coverage for the wedding rehearsal and rehearsal dinner if they will occur within 48 hours of the wedding.


You can also purchase wedding liability insurance  for property damage and for personal injuries to third parties. With liability insurance, you can add liquor liability coverage to protect you, your fiancé and your immediate family against being sued for certain alcohol-related accidents caused by your guests.

 

What Wedding Insurance Does Not Cover

Even if you buy the most comprehensive policy available, you won't get coverage for certain events.
Wedding insurance won't pay to reschedule your wedding because of a rainy day. It only covers severe or catastrophic weather events such as floods, earthquakes, tornadoes, hurricanes and ice storms. This is only if you purchase the policy far enough in advance.


The policy's special attire coverage does not extend to watches, jewelry, gems or pearls, even if they are attached to clothing. You'll need to purchase separate coverage to insure the possible loss of the diamond earrings and necklace you'll wear. Poor quality photos aren't covered. Only lost or destroyed photos are, so choose your photographer carefully. If your video is destroyed, but your wedding photos are fine, the loss of your video may not be covered.


Accidental breakage of fragile gifts isn't covered, so keep the kids away from the gift table. Most policies don't cover a change of heart. If you or the groom decide not to get married, any money you've already spent on the wedding will be lost. Things that have already gone wrong before you purchased the policy are not covered. Insurance is supposed to cover unexpected losses, not certain losses.

      

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