Let’s face it, weddings are stressful. Months and sometimes years of planning can be devoted to creating the perfect nuptials, along with thousands of dollars and endless hours of worry that something, anything might go wrong. What if the bride’s fantasy dress is irreparably damaged? Or if severe weather forces the venue to shut down on the big day? What if a vendor unexpectedly goes out of business, leaving you flowerless or without a reception dinner? Luckily there is a simple and increasingly necessary way to ease these jitters and guarantee that your wedding is protected: wedding insurance.
Much like insurance for any other large financial investment that you might make, such as a house or car, wedding insurance is essential to ensure that you are financially protected just in case anything does not go as expected. There are a variety of plans that range in price and comprehensiveness of coverage so that you and your partner can choose the specific type of insurance that best fits your big day.
With all of the non-refundable deposits that the modern wedding requires, from those for caterers and florists to the venue and wedding band, perhaps the most important way that wedding insurance helps safeguard you is with postponement and cancellation protection. While specific plans differ in exactly the type of coverage that they provide, it is standard for many plans to reimburse your non-recoverable expenses in case of severe weather, sudden illness or injury, transportation shutdown, or a call to military duty, along with a variety of other unforeseen scenarios.
In addition to postponement and cancellation protection, wedding insurance will also provide coverage for the myriad of other things that might, and sometimes do, go wrong. It will safeguard you in the case of lost, stolen, or damaged rings, gifts, photographs, or if anything happens to that perfect gown. Most plans will also financially cover you in case of a no-show vendor or a vendor who goes out of business before the festivities begin.
Furthermore, many wedding ceremony and reception sites currently require that you purchase liability insurance in case of property damage that occurs at the event. Liability insurance also protects you in case of injury to a guest or for any alcohol-related accidents that might occur.
So please, don’t leave yourself vulnerable to the many unforeseen situations that could potentially ruin your big day. Alleviate the stress and worry by finding the right wedding insurance plan to protect you, your partner, and your families. For only a fraction of the cost of what you could end up paying in the event that disaster did strike, be able to truly and comfortably enjoy the beauty and magic of your perfect wedding day.