Your Wedding Advice - StrictlyWeddings.com Blog

All About Wedding Insurance

You can make every effort to ensure that all of your planning details come together for the wedding day of your dreams, but there are many factors outside your control that can profoundly affect or even postpone your special day.

The illness of the bride or groom (or a close family member), an unforeseen weather pattern, or a deposit lost to a vendor who goes out of business can all make adjusting or postponing your wedding unavoidable. Wedding insurance can safeguard the investment you’ve made in the perfect wedding and give you the confidence (plus peace of mind) that your planning and beautiful day are covered. The remarkably affordable policies (starting at less than $195) are specially tailored to meet the needs of couples planning a wedding and are appropriate for both small and large events.

What Is Wedding Insurance?
Wedding insurance are policies specifically designed to protect you from financial loss in the event your wedding must be cancelled or postponed due to circumstances beyond your control or if one of the major elements of your wedding (e.g., photographs, wedding attire, and/or gifts) is lost or damaged. Most policies respond in the event of a cancellation or postponement resulting from causes ranging from such common concerns as adverse weather and illness, to events that are rarely considered, such as unemployment, military deployment or acts of terrorism. In addition to providing coverage for cancellation and postponement, many wedding insurance policies include coverage to protect your wedding photography, wedding dress and attendant clothing, jewelry, and gifts from damage or loss. Finally, most wedding insurance programs also provide the ability to purchase liability and property damage coverage that protects the wedding couple against claims for damage to the premises and/or property rented for the wedding reception, as well as host liquor liability.

Cost And Acquisition.
The cost of wedding insurance generally starts at a one-time premium of less than $195, with a number of the coverage options previously mentioned included. Of course, higher limits and additional coverage options are available with only moderate increases in the premium.

One Last Thing.
Wedding insurance does not cover you for “change of heart.” So, if either the bride or groom decides not to go through with the wedding, the people footing the bill will pay out of pocket.

A few situations where wedding insurance helped:

• The couples’ wedding that was postponed to a future date because the groom was rushed to the hospital with appendicitis.
• The bride who arrived to pick up her dress at the bridal salon only to find a “Bankruptcy” sign plastered across the window.
• The couple whose garden wedding was canceled when a September hurricane blew in.
• The couple whose caterer went to a tropical island with the deposit money and never returned.
• The couple whose wedding gifts were stolen from the reception hall while the wedding ceremony was taking place.
• The wedding that was rescheduled due to a fire rendering the appointed ceremony location unavailable.

Not being an insurance agency, StrictlyWeddings.com cannot advise you about whether or not to purchase insurance for your wedding, but as in all things wedding-related, we wanted to share this information and let you make the decision best for you. As you prepare for your wedding, you’ve no doubt made non-refundable deposits and signed contracts with service providers for such things as the reception location, the flowers, the catering and so on. These contracts protect your vendors, so it is important that you learn how you can protect yourself.

Photos courtesy of StrictlyWeddings.com partner, Scott Hagar.

One Comment on “All About Wedding Insurance”

• Tania May 15th, 2009 6:47 pm

  There just was a story that aired on Fox News in Dallas, Texas-on this, thanks for posting! This is a Bride’s worst nightmare, all Brides need to really know who they are dealing with and look over all contracts!

Leave a Reply