On your wedding day the last thing you want to think about is a sudden disaster , but it happens. In the event that you have any type of disaster on your big day you can assure that you’re covered by securing wedding insurance.
Wedding insurance protects a couples investment from things beyond their control and reimburses them for their expenses.
For example, What if the limo driver doesn’t show up the morning of your wedding and you have to book another company at an inflated price right away? Or what happens if the reception hall you booked went bankrupt weeks before your big day and your not able to get back your deposit back? These are things that your insurance will help you take care of.
Wedding Insurance also takes care of more tragic events like your dress catching on fire, the loss of your wedding bands, and even the costs of having to postpone your wedding all together for events you couldn’t control. Wedding insurance However, does not cover a change of heart , watches , jewelry (outside of your bands) or semi-precious gemstones, and your engagement ring.
A basic policy that covers loss of photos , videos, attire, presents, rings, and deposits usually costs anywhere between $155-$550, depending on the amount of coverage you want. General liability insurance , which covers up to 1million dollars for accidents, costs around $185.However, before you buy wedding insurance , check with each of your vendors because they may have an insurance policy of their own in the event that they can’t deliver their services.
Do not wait up until the last minute to insure your wedding because their may be certain time restrictions on any given policy or claim.
In all , wedding insurance is great to have, even if you never have to use it.