By Donna Hinton
Recouping loses through wedding insurance should a hurricane hit the brides chosen South Seas site on the eve of her big event or the caterer declares bankruptcy the day before her wedding is becoming common among today’s financially savvy brides. Today’s bride can insure almost every aspect of her wedding against loss or damage. One comprehensive plan even offers compensation for expenses if the groom changes his mind. Would-be brides can insure against nearly everything except a broken heart.
Wedding Coverage: An Important Element of Planning
Just as a bride-to-be carries auto insurance and takes part in the health insurance plan at work, insuring the various components of the most important event in her life makes sense. Not unlike automobile insurance, wedding insurance plans are geared to cover replacement costs. If covered elements of the wedding are damaged, stolen or go amiss monetary reimbursement might allow for repurchasing those items or rescheduling the event.
Insuring availability of travel for crucial members of the wedding party is available if purchased 14 days in advance. Travel insurance covers delayed or canceled flights and weather adverse enough to prevent automobile travel. Coverage can also be bought to insure against the absence of a member of the wedding party due to injury or illness.
Large or Small; Wedding Insurance is a Smart Decision
With all the variables inherent in a large wedding, insurance is almost a must. Since larger weddings involve numerous people, from travel agents to florists, caterers and photographers, they offer more opportunities for miscommunication and human errors. If the wedding is negatively impacted or canceled because of any insured disaster, wedding insurance makes it possible to recoup losses up to the insured amount. Possibilities for wedding day disasters multiply when nuptials are to be performed across the country or in a foreign land making travel and weather insurance common for such weddings.
Wedding insurance isn’t just for lavish, distant or large weddings. The prudent bride on a budget who would be unable to replace a lost or stolen wedding gown might insure only her gown. She might insure only the catering in case the caterer she has already paid cancels due to illness or accident. She might insure that the flowers arrive as ordered and on time or that the scheduled photographer shows up and the wedding photos are as promised.
The bride, Groom, couple or whomever is paying for the wedding can select from many separate endorsements to gain the coverage they desire.
Wedding Insurance Guidelines and Tips bullets
* Wedding insurance can only be obtained if the bride, groom and policyholder, if other than the bride or groom, are all over 18 years of age
* Checklist projected wedding expenses and possibilities for disaster to determine which facets to insure.
* Get quotes from at least 3 providers of wedding insurance.
* Plan for the best, but insure to cover the worst possibilities.
Resist the Temptation to Over-Insure
Separate riders, or endorsements cover specific possibilities. Insure only those pertinent to the event. A potluck reception needs no caterers insurance. The bride having a back yard wedding followed by a home reception will not need to insure the availability of a church or public hall. She might however, wish to purchase insurance covering the availability of travel for her wedding party and a special rider should a guest become injured or damage the premises during the event.
Protecting from loss in case the couple’s dream day turns into a costly disaster due to unforeseen events such as storms or stolen gown’s makes sense to many brides, grooms or others financing the wedding. The most common items covered by wedding insurance are the flowers, food and photography, followed closely by loss of either the brides or grooms ring and loss or damage to the wedding gown or bridesmaid’s dresses.
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