Plan My Wedding

 It makes for a good movie, doesn’t it? A wedding disaster of some sort… the delivery vehicle, the one with your cake in it, ends up in an accident, high winds take out the outdoor reception decorations and destroy the tents, the church gets bombed. Okay, that last one is a little far-fetched, but you get the idea. You can easily picture the resulting emotional turmoil, now stop and consider the monetary damage. That’s why wedding day insurance is important… because stuff happens.

This insurance is like an umbrella that can cover you when things go wrong. It might not cover every possible event, but it can cover the caterer that skips town with your money or the damaged wedding gown. It also gives you peace of mind and less to worry about before your big day.

It’s true, you don’t want to bring bad luck, but if you’re planning your wedding, why not plan for coverage should something go wrong?

The number one claim for wedding day insurance is wedding postponement. Think of all the deposits that would be lost if you have to postpone your wedding for any reason, whether there’s an illness, injury, or accident. There are the deposits to the florist, catering company, reception hall, church, dj, and more.

Only you can decide whether the cost of the insurance is worth it, but I think you’ll find the rates quite reasonable. Remember, it’s not a long term policy and terminates after the wedding. Start with your own company first and find out what might be covered with your existing homeowner’s or renter’s policy. After that, shop around with companies that specialize in event insurance as they may have the best rates.

Before picking out a policy for your special day, you should also talk with the vendors and read the fine print of their contracts to find out what their policies are for postponement or cancellation. That way you have a better idea of what you’re on the hook for and how much insurance coverage you should get.

Remember that many aspects of a wedding are out of your control, like it or not. Obtaining wedding day insurance can give you comfort during a very stressful time.

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