How And Why You Need Wedding Insurance

Your big day is finally approaching, and you feel like you have all the details in order. The ceremony is scheduled, the reception hall is booked, flowers have been ordered and your honeymoon plans are nailed down. It seems like your work is done, but what if a last-minute error or mix-up occurs? Will you be prepared if one of your vendors goes out of business or your dress is damaged?

Wedding insurance is a built-in back up plan for many engaged couples. You have the arrangements made for your special day, and should something go wrong, your wedding insurance can step in to cover the costs. Many couples find that having wedding insurance takes the worry out of wedding planning – no more what if’s and stress over possible problems that could arise. If you’re planning a wedding, find out what wedding insurance covers to find out if it’s right for you.

• Depending on what policy you sign up for, you can receive an array of possible coverage points on your wedding insurance. Whenever you talk to a potential wedding insurance agency, make sure you request a complete list of their coverage and the specifications for each item on the list. Many wedding insurance companies will cover the following items:

• Military: Wedding insurance is a great idea for engaged individuals in the military. If you are called up for duty, the insurance will help with rescheduling costs.
• Vendor Issues: If the flower company you booked for the occasion goes out of business the week before the wedding, you’ll likely have to pay higher rates to book another florist on short notice. Wedding insurance will help you cover the difference in costs.
• Photography: If your photos are damaged during development, wedding insurance can cover the cost of having new pictures taken. Even though many photographers use digital technology these days, this can also cover situations where a photographer accidentally deletes photos or loses a memory card.

• Ceremony and Reception Sites: Though some venues have their own insurance, it’s important to be covered in case of emergency. Don’t be left out in the cold if your venue has to cancel at the last minute due to a fire or going out of business.
• Liability: Check about liability coverage if you plan to have your wedding at home. This protects you in case anyone should get hurt during the ceremony or reception.
• Attire: Some wedding insurance policies also cover stolen or damaged wedding dresses and tuxedos. Couples who plan to ship their wedding attire to the wedding destination should consider this in case the clothes are lost due to an airline mix-up.

Remember that most wedding insurance policies won’t cover a cancellation if the couple should decide not to wed. In that case, money lost on deposits and booked travel can’t be returned.