What does wedding insurance cover?

You’ve been eagerly awaiting your wedding day since you got engaged. You want it to be everything you dreamed of and more, and you know that it’s going to take a lot of time and energy to plan the big day. But what if Murphy’s Law strikes before you get to walk down the aisle and say “I do”? You can hardly bear the thought of your wedding being spoiled. Fortunately, there’s a way to protect your wedding from disaster and get the show back on the road: wedding insurance.

What is wedding insurance?

Wedding insurance is there to protect your investment in your wedding – for those just-in-case situations where a disaster threatens to derail things. (It’s basically special event insurance.) No matter how hard you try, you can’t control everything. Wedding insurance helps reimburse you for the expenses you incurred from planning the wedding if things go awry.

What does wedding insurance cover?

Insurance for your wedding can protect you from many different scenarios relating to the moving pieces that make up the big event. It covers…

1. The venue.

So, the venue is kind of a big part of the whole deal, right? But what if there’s an unavoidable cancellation because the venue isn’t usable anymore? (Maybe they had a fire or electrical outage. Or maybe the venue just went belly-up and had to close.) Wedding insurance comes to the rescue. And some policies even cover the venue for the rehearsal dinner, too.

For example, let’s say that your venue closes six weeks before the wedding day. You and your significant other lose your deposit and have to book a new venue. Never fear – wedding insurance can put things back to rights.

2. The weather.

Mother Nature can get in the way of a lot of things. If the weather prevents the bride, groom, or another essential person from getting to the wedding (or if it stops a majority of the guests from getting to the wedding), the policy covers the cost of rescheduling the event. It covers costs like the flowers, food, and so on. So if that romantic December wedding you’d planned turns into a snowstorm-filled disaster that prevents everyone from getting to the ceremony, don’t worry.

Hear that, Mother Nature? Do your worst. Wedding insurance will save the day.

Some wedding insurance policies offer travel insurance for honeymoon.

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3. Clothes/Attire.

Wedding insurance can also help you repair or replace “special attire” if something happens to it. For example, what if the fancy clothes get stolen? Or what if they’re damaged? Or what if an absent-minded bridesmaid loses them or something equally tragic? That’s where wedding insurance can help.

4. Military deployment or job transfer.

If a bride or groom is called away for military service, the policy covers postponement of the wedding. And if a bride or groom has to make a last-minute job transfer, the wedding insurance policy can also step in to help you reschedule everything.

Extra wedding insurance coverages you can consider.

But the miracles of wedding insurance don’t stop there. When you get wedding insurance, you can consider the following extra coverages:

Photography. If the photographer doesn’t show, you might feel like you’re doomed. But wedding insurance can help retake the photos – and it can help you if the negatives are lost, stolen, or damaged.

Videography. If the video is damaged, this coverage can help you have a video montage created – or a compilation of the photographs. It can also help you retake the video with staging tricks if need be.

Gifts. People give fancy gifts to couples who are getting married – it’s a major perk of tying the knot. But if a thief stole your treasured gifts, or if that same  bridesmaid somehow loses them, or if the gifts get demolished by some sort of tragic accident, wedding insurance can replace them. (If they’re not money. It won’t replace monetary gifts.)

Personal liability. If there’s an accident at your wedding that causes bodily injury or property damage (i.e. someone trips and breaks an arm), you could be held liable. But personal liability insurance handles these sorts of claims.

Honeymoon. Okay, so you’ve got this great trip planned, right? Some wedding insurance policies offer travel insurance for your honeymoon.

If something happens with the venue, wedding insurance can help.

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Don’t let your big day be ruined by an unexpected, Murphy’s Law situation. Get wedding insurance so that you can have the perfect wedding regardless of hiccups that might happen along the way. Getting quotes is easy – just fill out our online quote form or give us a call today. And then head down the aisle with a smile on your face, ready to spend the rest of your life with your other half. (You can also reach out to us to talk about your insurance changes when you get married – we can help with home insurance and car insurance.)