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Wedding Insurance Explained: The Importance of Wedding Insurance

When it comes to planning your wedding, you might want to add insurance to the to-do list as well. With weddings costing upwards of $10,000, it’s no wonder many are seeking out wedding insurance for their big day. With different venders involved, guests, and the possibility of injury liabilities that would fall back on you – wedding insurance just might be the way to go. 

When it comes to finding a policy, you will want to make sure that you have one that will cover your needs to ensure you are financially covered in case something goes wrong.

Here are some things to consider when it comes to choosing a wedding insurance policy for your special day.

What is Wedding Insurance?
Basic wedding insurance policies can reimburse you for non-refundable deposits should you have to cancel or postpone your wedding. Additional coverage can also be purchased for liability. In the event of a no-show vender, damage to your wedding attire, or unforeseen circumstances that are beyond your control, you won’t have to worry. After all, your wedding is your special day, and you shouldn’t have to be worried about situations that are beyond your control.

How Much Insurance is Needed?
Every wedding is different, but it is recommended that your policy covers the amount of money that you would lose worst-case scenario, should you have to reschedule your wedding at the last minute. If you had to start over from the bottom up, you would want to make sure everything was covered. Be sure to talk with your agent to make sure everything is covered as some things might need separate policies. 

Liability Insurance for Weddings
While optional, you might want to consider liability insurance for your wedding, especially if alcohol is involved. Liability insurance covers against bodily injury, property damage and other injuries that occur to a third party during your event. Be sure to ask your insurance provider about a liquor liability policy, as this is often a separate coverage option.

While your venue should already have a liability insurance policy in place, in the event of an injury or accident, you could still be held liable –even if the incident wasn’t directly your fault. Having an insurance policy means that you won’t have to worry about being held responsible for a guest’s injury -should something go wrong.

Be sure to talk with your insurance agent to find out more about wedding insurance. Your big day will be one of your most memorable occasions; making sure it’s covered can help to give you peace of mind.

Wedding insurance policies vary, so be sure to talk with your insurer to find out which coverage options are available under a wedding insurance policy.

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