Wedding Insurance: Get This Valuable Protection

The bride and groom are so excited. They have put so much into the planning of their wedding: Their hearts, money, and months of their precious time. Of course, brides are squarely focused on their special day– not on what could go wrong. They have made every effort to ensure the perfect day, but what about all the things that are not in their control? Suppose someone gets ill, a hurricane sets in, or a vendor goes bankrupt. Wedding insurance can protect your wedding day and give you the peace of mind that everything is covered.

What does wedding insurance do for you? Wedding insurance is designed specifically to protect the consumer by offering financial protection if certain unfortunate, unforeseen events should occur during the period leading up to and including the wedding day. It provides protection for vendor deposits, wedding gown loss or damage, photography problems, and much more. Specifically, you can get repair or replacement cost on the gown or tuxedo lost or damaged. You can get your deposit refunded if a vendor declares bankruptcy or simply does not show up. If severe weather (hurricane) causes you’re wedding to be postponed, you can get your non-refundable deposits reimbursed. If your photographs are defective, you can get reimbursed to reconvene the wedding party to take new photos. Wedding insurance also provides the ability to purchase additional liability and property damage from claims arising out of the wedding itself to protect the couple.

So, are you still asking yourself why should I purchase wedding insurance? According to a 2009 survey by Conde Nast, the average cost for a wedding in the United States is $28,082. You would get insurance to protect your car, wouldn’t you? Why not protect the investment you have in your wedding?

As the economy worsens, wedding claims continue to increase. Companies are going out of business causing many couples to lose their deposit. According to Travelers Insurance, about 40 percent of their claims come from issues with caterers, photographers, and other vendors. Additionally, they state that the most common issues were that vendors failed to show up on the wedding day, suddenly went out of business, or experienced some type of financial setback. It typically will not cover loss due to a “change of heart.”

The best part is that these policies are very affordable. They can be bought for as little as $190. They are specifically tailored to the needs of the bride and groom. And, they work well for large and small events. So, unless you can afford to fund the same event twice, you may want to consider this valuable protection.

By : Carla E
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commercial insurance said...

Wow. This policy is very cheap. I will buy it for sure when I will plan my wedding. I too believe in having proper protection by taking insurance policies as its better to be safe than sorry. Thanks for the information about this policy.

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