Picture this. You spend months planning your dream wedding. Everything is perfect. You have selected the most amazing venue, your vendors are lined up and are hand-selected to fit your dream, you have all of your friends and family coming in from out of town and you are so excited to marry the love of your life. You wake up the morning of your wedding to find that your venue had burned down overnight, along with all of your decorations and your dress. Sometimes, hoping, planning, and dreaming sometimes just are not enough. What can you do to prepare for the unexpected and protect your big day?
The answer is wedding insurance. Wedding insurance protects your big day and your financial investment from circumstances beyond your control. Every wedding is different and so is every wedding insurance policy. Each policy will have different limits or features depending on the insurance company you insure with and your coverage choices. The following are some of the more commonly covered aspects of wedding insurance.
Location. Wedding insurance can cover the cost arising out of unexpected cancellations such as damage or inaccessibility to the ceremony or reception site. This can include situations where your location burns down, closes down permanently, fails to open as planned, or if permits are revoked.
Weather. Wedding insurance can cover any weather-related incidents which prevent the bride, groom, or any other key person who is essential to the wedding from being there. This can also apply if the majority of the guests are unable to reach the location due to weather issues. For instance, if there is a freak snowstorm and the location is inaccessible, it may be covered.
Vendors. Wedding insurance can cover vendor no-shows on the day of the wedding. If your caterer, officiant, etc. fails to show a policy that could cover the cancellation or postponement of the wedding.
Property Damage. Wedding insurance can cover any property damage that is caused by the wedding to the location of the event.
Illness or injury. Wedding insurance can cover the cancellation or postponement of the wedding resulting in any sickness or injury to the bride, groom, or key persons that would force them to be unable to attend. It could also potentially cover any injury or illness that occurs at the event.
Military. Wedding insurance can cover situations where the bride, groom, or key persons may be shipped out at a moment’s notice due to the military.
Other. Wedding insurance can cover other miscellaneous situations such as lost or stolen gifts, wedding dress damages, or wedding attire loss or damage.
Before you purchase wedding insurance, you should speak with your venue and vendors to see if they already have their own insurance that would cover any of the issues you are concerned about. If they have insurance, ask for a copy of their policy to make sure you are fully covered. Be careful not to over-insure or double ensure your event.
It is important to note that every single wedding insurance policy is different, and you should sit down with your agent to determine exactly what is covered under your policy and what is not covered. Have the agent explain the policy to you and make sure you understand every detail of your policy.
A lot of time, effort, planning, and money goes into a wedding. The cost of wedding insurance is minimal compared to the cost of the wedding and what is at risk when the unexpected happens. Give us a call today at 844-GANNONS to discuss your options and protect your big day.