What does Wedding Insurance Cover?
Wedding Insurance basically protects the couple's investment from circumstances beyond their control and reimburses them for expenses incurred. Below are some examples of different things that are covered under Wedding Insurance.
•Site: Wedding Insurance can cover the cost incurred out of an unavoidable cancellation such as damage or inaccessibility to the ceremony site. If the reception hall burns down, experience an electrical outage or goes out of business. It may also cover the rehearsal dinner site too.
•Weather: Any weather condition that prevents the bride, groom, or any relative whose presence at the wedding is essential or a majority of the guests are prevented from getting to the venue the wedding is taking place at.
•Vendor no-show: A wedding Insurance policy will usually cover cancellation or postponement if the caterer or the officiant fail to show up.
•Military or Job: It can cover the postponement of the weeing due to the bride or groom suddenly getting called to military duty or if at last minute the company the bride or groom works for suddenly relocates them to another city.
•Additional coverage for photography, videographer, gifts, attire, medical coverage's and the honeymoon may also be purchased.
It will not cover cold feet, watches, jewelry, or other precious stones. It does cover the wedding rings themselves but not the engagement ring.
You will want to purchase wedding insurance once you put a deposit down on a venue, pick out your wedding dress, etc but be careful because most insurance companies have a limitation on how far in advance you can purchase the insurance. It is a fairly inexpensive policy ranging from $155-$550. A small amount to pay for your peace of mind for the happiest day of your life don't you think?
This blog was written by Michele in our Corinth NY office. If you need help insuring your happy day give her a call at 518-654-9021