Your wedding is supposed to be perfect. Maybe you’ve been planning it for months or years, imagining everything exactly the way you want it. Everything is in order, and you’re just wrapping up last-minute seat changes and the like. And then, a week before the big day, your maid of honor calls.
Your photographer is the one with a studio over on Pine Street, right? So I drove past there today by chance, and there’s a “For Lease” sign in front. The place is locked up tight, and I even looked in the windows – it’s completely empty. Did he move, or did he go out of business?
Unfortunately, things like this sometimes just happen. Photographers go out of business, or don’t respond to your contact attempts. Caterers fail to show up. These situations are far from ideal, but they don’t have to result in disaster.
There is a way that you can make sure your wedding is still perfect, even in the face of the challenges life throws at you. Wedding insurance is the perfect way to protect all the planning and work that has gone into your wedding. Many people who are about to get married have serious worries about a variety of things. Some of the most common ones include:
- Cancellation or postponement beyond your control
- Unexpected expenses from vendors
- Wedding photos or videos of unacceptable quality
- Theft of wedding gifts at the event or reception
- Loss or damage of special attire such as tuxes and wedding dresses
- Loss or damage of special jewelry
- Lost deposits
Wedding insurance can protect you from all of these risks, and more! But we’ll circle back to those in a moment. We often receive last-minute calls looking for wedding insurance on short notice because venues have put in place a requirement that you have liability insurance.
Your Renters Insurance won’t cover that, so where do you get last-minute wedding liability coverage for a one-day event? And what happens if it goes past midnight?
Wedding Insurance Liability Coverage
That’s where wedding insurance liability coverage has your back! You can get a million dollars of liability coverage that will protect you whether someone slips and falls on the dance floor, or whether there’s property damage to the venue. The amount of property damage coverage varies, and you can choose what’s right for you.
This means that you won’t spend your honeymoon worrying about how to pay for Aunt Edna’s broken hip, or even how to pay for the lawyer to defend against her lawsuit.
You can also add liquor liability coverage to your wedding insurance, and if you’re serving any alcohol at all it’s an excellent idea to do so. This coverage protects you if someone drinks too much and causes bodily injury or property damage to someone else. In many states, you could ultimately be responsible for any damage they cause if they drive drunk after attending your wedding! It’s your wedding, so make sure you are protected.
Your wedding insurance is normally for the day of your wedding. However, that “day” can be extended to 2 AM the following day. Insurance companies realize that weddings last beyond midnight sometimes, and that the coverage should do the same!
Wedding Insurance Coverage
What else does wedding and special event insurance cover other than liability and liquor liability, if you opt for it? It covers the vast majority of the worries you’re likely to have leading up to your wedding.
You can buy the coverage up to two years in advance, or as short as a few days before the wedding. The basic premise is that it reimburses you for costs you incur due to a number of specific losses that can cost you thousands of dollars.
Cancellation or Postponement
Wedding insurance and event insurance can protect you from expenses incurred for cancellation or postponement of the wedding due to illness, death, and similar circumstances beyond your control.
This can help mitigate the losses you suffer from lost deposits and other costs associated with such a change. In addition, if the venue suddenly goes out of business and can’t be used, or an honoree is unexpectedly called up to military duty, you can be reimbursed for lost deposits.
Other Lost Deposits
What happens if a vendor suddenly closes up shop? What if they declare bankruptcy before your wedding, or just don’t show up at all?
If the band, your tux shop, your photographer, or other vendors don’t provide the services agreed to, this coverage can reimburse your resulting lost deposits.
Sometimes, last-minute changes with vendors can happen. If you have to spend extra money to replace a vendor such as a caterer or transportation company with another vendor, this can cover a difference in price.
Wedding Photos And Videos
Did you know you can insure against the risk of a photographer or videographer error? If the film is defective, or they lose or damage your photos or videos, or even just fail to show up, you have coverage for that.
Photos and videos coverage on your wedding insurance is designed to cover not only the cost of the photography, but also the cost to reconvene your wedding party to take new photos or video.
Wedding Gifts And Event Gifts
If your gifts are somehow damaged while at the wedding or event, this coverage can reimburse you for the costs of repair or replacement of those gifts. While you might not think this is a significant concern, consider that gifts are often displayed on a table at the reception. If the reception involves alcohol, clumsy people, or curious children, you’ve got a serious risk of damage to many gifts.
This coverage is intended to protect your special attire under your wedding insurance coverage. If the airline loses your wedding dress, this coverage can reimburse you for the replacement dress, for example. It also covers damage to the attire, and the coverage can be quite valuable to you. Your policy form contains the full specifics of your wedding insurance coverage.
Special jewelry coverage can offer protection against loss or damage to jewelry that is purchased or rented specifically for the personal use of bride or groom on the day of the event or up to seven days prior.
How Much Does It All Cost?
While it’s up to you to choose the coverage levels and options, wedding insurance starts as low as $160.00 to protect your special day and your investment in your wedding.
In addition to the protection, you get peace of mind. Let’s face it, vendors are all human. Mistakes do happen sometimes. You don’t want them to happen to you, of course, but if they do you can have the protection of wedding insurance to make sure that an error made by someone else doesn’t ruin your day. It takes the worry out of the most important day of your life.
The best part is, this affordable protection takes just minutes to purchase. Just call a wedding insurance expert at (800)892-4308. We’ll walk you through the coverage, help you understand which coverage is appropriate for your needs and how much coverage you need, and help you get it started. If your venue needs to be listed on the policy, we can take care of that as well.