Wedding Insurance - What you need to Know

When it comes to weddings, several people have various superstitions that buying a policy will jinx the marriage, but in the real world, wedding insurance is a great way to protect your special day from various disasters that could occur. Of course, most weddings go off without a hitch, but what if you are not prepared and something happens? Those that paid for the wedding will be out thousands of dollars. The good news is most wedding insurance policies are very affordable since it is a one-time policy, meaning it is only valid for the day of your marriage.

What does wedding insurance cover? It covers those events that could come up that are not predictable. For instance, a car accident, weather conditions, no power at the reception, wedding rings go missing, photographer loses photos, vendors not showing up, or the wedding gown is somehow damaged. When you have spent precious time and money planning your perfect wedding, never forget to take out the wedding liability insurance.

Obviously, no one wants to think about the possibility of a wedding having disastrous events take place, but it could happen, and because of that, purchasing wedding insurance makes the best sense. When weddings are planned, they are often far into the future, and if you are planning an outdoor wedding, you have no way of knowing what the weather will be like on your big day.

Of course, you need to think about booking your band and photographer, which is often a year or more in advance. What would you do on the day of the wedding if you had no photographer? Wedding insurance will cover the costs of having your wedding party come together to take the photos. Perhaps the wedding has been planned for a year, the day approaches, and the bride or groom has the flu, obviously, they cannot get married. With wedding insurance, you can reschedule the wedding, but if you did not have insurance you have to get married with the flu or lose money.

Wedding insurance typically pays for rescheduling if there is bad weather for an outdoor wedding. In addition, theft and damages to the wedding area, those flying into the wedding (that are part of the wedding) are delayed, the photographer does not show, the death of a close loved one on either the bride or the groom's side, and if one of you are active military and had to leave are all included.

Typically, if the bride or the groom has cold feet and backs out of the wedding, this is not covered under the insurance policy, because this could have been prevented. However, the insurance does pay for accidents that happen at your wedding, such as tripping on the wedding decorations that were placed by the professionals. Property damage is also covered under the wedding insurance, if the damage was a direct result of the wedding.

Wedding insurance is your best line of defence against mishaps that could happen on your big day. Today, weddings typically cost upwards of $25,000, which would be money wasted if something went wrong on the big day. Wedding insurance makes sense to have just like health insurance or homeowners insurance, you hope you never need it, but if you do, you are certainly happy you have it.