Planning a wedding can be so exciting! Unfortunately, the big day may not always go as planned – this is where wedding insurance can come in handy. Wedding insurance protects an engaged couple’s investment in the event of circumstances out of their control and provides reimbursement for incurred expenses.
Examples of Damages a Wedding Insurance Policy Will Cover
A limo driver does not show up on the day of the wedding. Then, forcing the couple to hire a different company in a crunch for double the price.
The bride’s custom-made veil is lost in the airport so she must purchase a new one the day before the wedding.
The reception hall goes out of business a month before the wedding. This causes the couple to lose their deposit and book a new venue last minute.
What Else Does a Typical Policy Cover?
Venue: a wedding policy covers the costs of unavoidable cancellation (damage to the venue). Also, if the venue is in an unusable condition due to fire, an electrical outage, or has closed. Some policies will also cover the rehearsal dinner site as well.
Weather: if weather conditions prevent the couple, relative(s) whose presence is essential to the wedding, or a majority of the guests from arriving to the wedding site; the policy covers the cost of rescheduling the event, including all details, such as flowers, food, etc.
Attire: From the dress to tuxes, the policy pays to repair or replace special attire if they are lost, stolen, or damaged. These can be items worn by the bride, groom, or bridal party.
Military or job transfer: the policy covers the postponement of the wedding due to the bride or groom being called into military duty or forced to make a last-minute job transfer.
Additional Wedding Insurance Coverage Options
Photography: this covers the cost of retaking photographs if the photographer fails to show up or if images are lost, stolen, or damaged.
Videographer: if the video is damaged the policy can help pay to recreate the video.
Gifts: Let’s say the gifts are lost, stolen, or damaged, the policy can repair or replace them. However, this excludes money.
Personal liability: Policy covers bodily injury or property damage caused by accidents that occur during the wedding.
Honeymoon: Certain policies include optional travel insurance for the honeymoon.
You deserve to have peace of mind for your big day. A typical wedding insurance policy covers the loss of photos, videos, attire, presents, rings. Wedding insurance is affordable and you should really consider it as part of your wedding budget. Contact Thams Agency at email@example.com or fill out our contact form to learn more about how this coverage can help you!