About Types of Wedding Insurance Coverage

September 30, 2015 at 8:24 am Leave a comment

40325Nobody wants to imagine that disaster can happen on their wedding day. Fortunately, for many weddings this is an unlikely occurrence yet the chance of an unforeseen tragedy always looms. Wedding insurance is a way to protect from unpredictable calamities and provide peace of mind and safeguard your wedding investment. Insurance is available for all sizes of weddings from small affairs to large events. Determine the type of coverage that best fits your wedding insurance needs. Read on to learn about different types of things wedding insurance may cover.

Severe Weather

If severe weather conditions such as hurricanes, tornados or floods cause your wedding to be postponed; many policies provide coverage for the costs associated with rescheduling.

Military Service

This type of insurance coverage provides protection if either of the marrying couple is abruptly called to active military duty or active reserve duty and the wedding must be rescheduled.

Illness or Injury

If vital persons of the wedding such as bride, groom, maid-of-honor, best man, groomsman, bridesmaids or other essential wedding party member become ill or injured, this type of coverage assists with expenses of postponement of the wedding.

Liability

Usually, your wedding venue carries liability insurance. However, if your wedding is at home or on private property you will want to ensure you are protected in case somebody gets hurt.

Officiant

Recover some of your expenses should your officiant be a no-show or unable to preside over your wedding. Types of wedding officiants include religious officiants or clergy, justice of the peace and professional wedding officiants.

No-Show Vendors

Vendors failing to appear and provide contracted services can seem like catastrophe, especially if they are integral to the ceremony such as florist, photographer or caterer. This type of coverage helps recovers your expenditures and deposits. Depending on the policy and circumstances, maybe even reschedule your entire wedding.

Theft or Damage of Wedding Gifts

If an unfortunate act occurs such as damaged or stolen wedding gifts you will want insurance for protection. Find out if your homeowners or renters insurance already offers this coverage.

Wedding Attire

Coverage for wedding attire pertains to the repair or replacement costs of the bridal gown or other special wedding apparel, groom outfit, attire for the wedding party and accessories due to lost stolen or damaged including stores that go out of business.

Honeymoon

Honeymoon or travel insurance coverage is available and often offered as an option to wedding insurance. Consider checking with your credit card or homeowner’s policy to see if you already have coverage for lost luggage, trip delays or cancellations.

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