Why Wedding Insurance is So Important for your Big Day!

For anyone paying for a wedding celebration, you know what a large financial investment it is. Celebrating the beginning of your lives together as a married couple is costly, whether the bride and groom are paying or if the parents are paying. There is a way to protect your financial investment by purchasing wedding insurance. This very important coverage will help lessen the worries of your big day. As any bride will tell you, there is no such thing as a worry-free wedding day, but wedding insurance can help to lessen the burden.

Common venue-related problems include vendors and facilities going out of business before the wedding, flowers not being delivered, no-show photographers and DJ’s not showing up on time or at all to play at the reception. By purchasing wedding insurance, you and your family are protecting not only your wedding day, but also your rehearsal and rehearsal dinner against many unforeseen possible losses.

There are different options available to cover many aspects of your big day. You can purchase coverage for such things as wedding cancellation or postponement, lost deposits, lost or damaged photos and videos and damage to wedding gifts. There’s also coverage available for wedding attire and jewelry, including the wedding bands, among other items.

Some features and benefits of cancellation or postponement coverage is protection against extreme situations that may arise, such as severe weather, accidents or sudden illness. There is also coverage if the wedding has to be cancelled or postponed due to no-show vendors or damage to the brides wedding gown. Another instance where postponement or cancellation coverage would come in handy is if the bride or groom is in the military and their leave is denied after the wedding has been planned. Don’t forget that many guests will probably come from out of town, so if there is a public transportation shutdown and they can’t get there, the policy would help cover expenses not recoverable otherwise.

As for liability coverage, instances may arise where you could be held responsible for alcohol-related incidents. This could involve bodily injury or property damage, usually occurring during the reception. Many venues and reception halls require at least the minimum of liability insurance to be covered by the bride and groom and/or the parents who are holding the reception. For this, Liquor Liability Coverage can be purchased for up to $1 million in coverage under some wedding insurance policies.

To determine the amount of coverage you will need to protect your special day, add up the costs of major expenses for the wedding attire, photographer, flowers, music and the reception. This total will give you a good idea of the amount you will need to help protect you from unexpected losses.

Wedding insurance packages are available in most states, including Maryland, Delaware and Virginia. Be sure to protect you and your family’s investment in what will be one of the biggest days of your life. Some wedding insurance policies can be purchased for less than $200.00 a year. Keep in mind, wedding insurance must be purchased at least 14 days prior to the event