Wedding Insurance – Do you need it?

From organizing seating arrangements to creating music playlists to keeping in-laws and family members happy, planning for your wedding involves dozens of decisions made under tight deadlines with tons of pressure. For many, a wedding can also mean a significant investment as couples and their families plan full wedding weekends complete with a rehearsal dinner, the wedding event itself and a celebratory send-off brunch. Knowing what a huge time and financial commitment your special day is, are you sure you are doing everything possible to help protect your wedding?

A hurricane or a bankrupt venue can mean lost deposits and unexpected expenses, as couples race to reschedule or find replacement vendors. Special Event insurance is an effective way to help protect your wedding from certain unforeseen events. Some of the most common claims include bankrupt venues, injury or illness, and disruptive weather. If a vendor goes out of business unexpectedly or does not show up, the policy covers lost deposits as well as additional expenses necessary to finding a replacement vendor. The insurance also covers lost deposits due to cancellation or postponement of the wedding if one or both members of the wedding party are unexpectedly deployed for military duty.

Couples should buy insurance in advance especially to be sure that they are protected from severe disruptive weather. In most states, coverage must be purchased 14 days before the event to include this type of weather coverage. Events such as tropical storms or hurricanes are typically covered, while a rainy day may not be. It is important to understand the details of the policy that you obtain.

With that big day approaching quickly, or even while still off in the distant horizon, it is important for you to protect what has likely become a significant investment for many couples. You have the rest of your life to enjoy your time together—make your wedding day something special you can enjoy by protecting yourself and your investment.

*All statements herein are subject to the provisions, exclusions and conditions of the applicable policy. For an actual description of all coverages, terms and conditions, refer to the insurance policy. Coverages are subject to individual insureds meeting underwriting qualifications and to state availability.