If you are like most couples you have gone to great lengths to plan and prepare for the perfect wedding, whether an intimate affair or a lavish event. With all the time and money you are devoting to your wedding, do not leave anything to chance. Safeguard your investment by making wedding insurance at big part of you planning process.
Then you ask, “What will your insurance cover?” Once you have selected your vendors and submitted your sometimes non-refundable deposits, you have made a serious investment and should consider a wedding insurance policy to protect against certain types of financial losses that may occur in the event or leading up to the big event.
Here are some possible scenarios:
Postponement/Cancellation
What if you do not have the money to cover the costs to reschedule your wedding if something happens to a family member, the bride, or the groom? What if Mother Nature makes staging your wedding on your projected day?
The right wedding insurance policy provides reimbursement for non-recoverable expenses incurred because of postponement/cancellation.
Wedding Attire:
What if your “dream” gown is stolen, lost, or damaged prior to your wedding?
The right wedding insurance policy will, also, cover replacement costs for lost or stolen wedding attired, the cost of mend damaged wedding attire or the cost of wedding attire that must be rented.
Wedding Rings:
You wedding rings are a symbol of ever lasting love! How long would it take to forgive the best man for losing them before the ceremony?
Wedding insurance can reimburse he value of or repair the wedding bands, whichever is needed.
Photography/Video:
What if you wedding photos cannot be developed or the film is lost?
Wedding insurance can financially assist you in reconvening your wedding party to take replacement photos.
There is also wedding insurance liability and property damage. This is specifically designed insurance to protect the newly married couple from experiencing liability related to certain types of accidents that might occur during the wedding or reception that might result in bodily injury or property damage. Often, many reception locations now require couples to carry this type of protection.
Here are some possible scenarios for Liability & property damage coverage:
What if one of your guests suffers and injury or there is property damage to your reception venue? Would you want to place your personal financial future at risk because of these unfortunate events?
Liability & property damage protects the Bride and the Groom from liability associated to certain types of accidents resulting in bodily injury or property damage that might occur during the wedding or reception. Some accidents could include:
Injury to Guests or Staff
Facility Damage
Property Damage
Alcohol-related Accidents
As you can see wedding insurance can do almost anything!
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