Why Do You Need Wedding Insurance?
Protect your wedding investment
Getting married is said to be one of the best feelings in the world. It offers a time that the couple will remember for years to come and it can also be one of the most stressful. With so much to plan, the actual wedding ceremony is very much the eye of the storm in that it is the calmest portion of the whole wedding. Wedding is time-sensitive. We spend months and maybe even years planning a wedding and that should ensure that nothing ever goes wrong. It doesn’t though as many couples go through situations where the wedding simply gets cancelled and thousands of dollars are wasted. For this reason, wedding insurance is on the rise.
You’ve always dreamed of planning the perfect wedding
There are endless possibilities for what could go wrong on your wedding day. As weddings take so much time and effort to plan, it seems a shame to completely miss out on one factor that could ruin your wedding. Let’s say you choose a reception out in a remote location, however a snow storm makes it inaccessible on the day of the wedding. With no insurance, you would lose all your money in terms of deposits and costs instantly. However, insurance can help you to recuperate deposit for wedding venue, wedding photographer, wedding dress, wedding cake, wedding banquet, wedding band, wedding caterer, wedding dj, and/or wedding cake deposit.
What if a new suit has to be bought for the groom because the main one didn’t make its way out from baggage claim at the airport? What if the location of your reception goes out of business and not only do you have to book a new one, but you also lose your deposit? No matter how much planning we do, nothing can prevent external factors just like these so having wedding insurance can protect the money you have spread out over the state.
What if the big day is upon you and something goes wrong-resulting in the need to cancel or postpone your wedding?
What does wedding insurance cover?
On the whole, you will find a number of wedding policy packages or plans which look to protect different things. There are some generic areas that are covered by most.
Site – Firstly, you can protect any investment you have in the ceremony site itself just in case it has to be cancelled or postponed last minute for one reason or another. With wedding insurance, you can protect yourself from fire damage, electrical outages, or any other reason that would cause the site of the ceremony to be closed and therefore unable to hold your ceremony.
Weather – If adverse weather conditions prevent the bride or groom from reaching the ceremony, this will also be covered and you will find that most insurers cover the rescheduling of a wedding. After rearranging, the insurance will cover all the details involved such as the food, ceremony flowers, and anything else that had to be cancelled the first time.
Cancellation due to Health – Although this one can vary from one insurer to the next, you may also find that you are covered should a key member of the wedding party be struck down with illness or if they suffer an injury that prevents them from taking part in the ceremony.
No-Shows – If an important vendor – such as the officiant or the caterer – fails to show, you will normally be covered for postponement or cancelling because these are integral to the wedding.
Military Deployment – You can receive your orders to active duty or deployment. For example, a serviceman/woman could be called into action on the morning of the wedding. Similarly, some insurers cover for extreme situations like job relocation or anything that would implicate the wedding.
I can’t wait to insure my wedding!
As mentioned, life can be cruel sometimes and we have no control over what is going to happen next. However, you can be in control of how well you protect yourself against accidents or poor fortune. With wedding insurance, you are giving your wedding the best chance at success because problems can be fixed easily.