Having problems with the venue, vendors, weather, key people, sickness, or injury are the top concerns of couples when it comes to their wedding day. You will find there is a specified maximum amount, which can be claimed under each section, and also a deductible may also applies. Be sure to find out the details of your wedding insurance plan before buying.
- Venue: Check to find out if your ceremony and reception veue already has insurance. If it’s not, then your wedding insurance can cover the costs involved due to unavoidable cancellation (such as damage or inaccessibility to the ceremony venue), if your reception hall is unable to keep to your reservation due to burning down, electrical outage, or just closed down.
- Vendor – they no show to your wedding, what if your cater orother importna vendors fail to turn up, a wedding insurace policy willocver any cancellation or postponement arising.
- Weather: Any weather conditions that will prevent the grom, bride or any relative whose presence at the wedding is essential, or even if uests can’t make it due to adverse weather the insurance will cover rescheduling the wedding and all the necesssary details that come with it.ntal, and reception food.
- Sickness or Injury: Wedding insurance will also cover you if a key person, bride or groom become sick and are unale to atttend.
- Military or other Job: Military personnel may be shipped out to another country at a moments notice and wedding insurance cover postphonement due to rde or groom getting called up to service. This may aso apply to your comany job to if for instance your compnay relocate and you need to move too.
What does Wedding Insurance not Cover…
- A change of heart yeither party.
- Watches, jewelry, or semi-precious gemstones or pearls even if they are attached to clothing.
- Wedding rings may be covered by the policy but normally engagement ring is not.
You may Require Additional Coverage.
You may like to take out supplemental policies to defend against other damages incured by wedding-related items such as photography and gifts.
- Photography: Some insurance policies pay for you to retake the photographs after the fact if the photographer fails to appear or the original negatives are lost, damaged, stolen, or not properly developed. Some policies will pay to re-stage the event — with the principal participants so that pictures can be retaken. A policy may also pay for the costs incurred for rehiring a photographer, buying a new wedding cake, and new flowers, etc.
- Gifts: Regardless of how to wedding gifts are gven too you on the day, valuable items like gifts are something else you might want to consider insuring. Gift coverage pays to repair or replace non-monetary gifts that are lost, stolen, or damaged. You will have to submit a police report for any stolen gifts. The damage or theft is limited to a specific time frame as stated in your policy before or after the wedding in order for the coverage.
- Attire: This form of coverage pays to repair or replace the bridal gown or other special attire when it is in your possession and is lost, stolen, or damaged (including financial failure of the bridal store).
- Personal Liability: Personal liability covers injury or property damage caused by an accident that occurs during the course of the wedding.
- Medical Coverage: This covers reasonable medical expenses (up to the policy’s limits) for each person who is injured during the covered events from a cause of loss, which would be covered by your personal liability.
- Honeymoon: This can cost as much as a new car at times. But before you buy travel insurance to protect your investment, see if your credit card covers you if your luggage gets stolen, your trip is delayed, or you have to cancel it. Certain wedding insurance packages include optional travel insurance for your honeymoon.
