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Q:Should I Get Wedding Insurance?

A:

Wedding insurance are policies specifically designed to protect you from financial loss in the event your wedding must be cancelled or postponed due to circumstances beyond your control, or if one of the major elements of your wedding (e.g., photographs, wedding attire, and/or gifts) is lost or damaged.

Coverage. Most policies respond in the event of a cancellation or postponement resulting from causes ranging from such common concerns as adverse weather and illness, to events that are rarely considered, such as unemployment, military deployment, or acts of terrorism. You should note that stormy skies and light rainfall alone won't qualify as reason enough to cancel. In addition to providing coverage for cancellation and postponement, many wedding insurance policies include coverage to protect your wedding photography, wedding dress and attendant clothing, jewelry, and gifts from damage or loss. wedding.

Key People. If people crucial to the wedding are unable to attend due to illness or injury, the cost of postponing the event is covered. This also holds true if the officiant fails to appear on your wedding day.

Service Providers. If your caterer doesn't arrive with the food, for example, or the ceremony or reception site burns down or goes out of business, you're covered for the cost of your non-refundable deposits paid and expenses incurred so that you can reschedule your special day. Some policies will also include coverage for the increased cost of replacement items or services, if they are available, to avoid a postponement of your event.

One Last Thing. Wedding insurance does not cover you for "change of heart." So, if either the bride or groom decides not to go through with the wedding, the people footing the bill will pay out of pocket.

Article: weddingchannel.com