wedding insurance? Most brides and grooms have
probably never heard of it, or they scoff at the idea of
insuring their wedding. However, purchasing some short-term
wedding insurance can be a way of saving yourself a lot of
grief if your wedding is cancelled or someone gets injured at
your reception.
What Types of Wedding Insurance are Available?
Brides and grooms can opt to purchase two types of wedding
insurance. There is wedding cancellation insurance and also
wedding liability insurance. Wedding cancellation insurance
provides coverage should your wedding be cancelled due to bad
weather, and officiant not showing up, and more. It protects
your deposits, attire, photographs, etc.
The other type of wedding insurance is wedding liability
insurance, which protects you if there is injury or property
damage that occurs at your wedding. This type of wedding
insurance is more common, as many venues require that couples
obtain this insurance.
When to Purchase Wedding Insurance?
If you are considering purchasing wedding insurance, you should
plan on purchasing the coverage as soon as you start shopping
for dresses and venues. Most companies do not allow you to
purchase a policy until 24 months before the wedding, and most
will allow you to purchase the insurance up to 15 days prior to
your wedding date.
What Policies Usually Cover
While these items are usually covered by wedding insurance
policies, you should still read over your policy before signing
to make sure all the items you need covered are included:
- Weather
- Illness/Injury
- Missing Officiant
- Missing Vendors
- Location
Other riders:
- Military Service
- Gowns and Tuxedos
- Gifts
- Liability
- Honeymoon
Usually not covered:
- Cancellation due to cold feet
- Cancellation due to something you knew prior to taking out
the policy
Should You Purchase a Policy
Some people laugh when they first hear about wedding insurance,
thinking it is just another way for couples to spend money.
However, in most cases weddings cost thousands of
dollars/pounds. That money is often non-refundable if the
unthinkable happens, and some couples find great peace of mind
in knowing that they will not be out thousands if their wedding
is cancelled.
About The Author: Chris Morton ran hotels and restaurants for
17 years – catering for 100’s of weddings. His wife Sue is a
wedding planner with 10 year’s experience. Together they have
established http://www.TheWeddingWizards.com to provide
unbiased help for brides and grooms.
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