Why Say “I Do” To Wedding Insurance

Wedding insurance protects a couple’s investment from circumstances beyond their control, and reimburses expenses incurred. For example, what if your limo driver doesn’t show up and you have to book another one the morning of the wedding—for three times the price? Or what if your reception space goes out of business a month before the wedding, and you lose your deposit and have to book another space? These are the types of wedding day financial losses that wedding insurance can help to protect.

What is Covered?

Venue: If the venue doesn’t already have their own insurance, wedding insurance can cover the cost arising out of unavoidable cancellation such as damage or inaccessibility to the ceremony site from fire damage, electrical outage or just plain bankruptcy.

Weather: Wedding insurance can cover rescheduling the wedding and all the details involved, including ceremony flowers, tent rental and catering.

Vendor no-show: If key wedding vendors fail to show, a wedding insurance policy usually covers cancellation or postponement of the wedding for these reasons.

Sickness or Injury: Wedding insurance may also include sickness or injury to the bride, groom or anyone essential to the wedding.

Military: Military or job: Military personnel may be shipped out at a moment’s notice. Wedding insurance can cover postponement of the wedding due to the bride or groom suddenly getting called to military duty.

Every insurance policy and every wedding scenario is different. Be sure to talk to your insurance agent—and have him or her explain the ins and outs to you. You want to make sure you understand every detail of your policy.


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