Your big day is one of the most unforgettable of your life. A policy costing a few hundred dollars can ensure you have the resources to do it right.
There are countless ways the big day can be wrecked. The maid of honor gets appendicitis, a plumbing problem floods the reception hall or guests end up eating Beanie Weenies because the caterer mixed up his dates.
Even more potential calamities lurk in today's chaotic world. Airports closed because of terror alerts or virus scares could keep key wedding participants from arriving on time. And several brides and grooms have been shipped overseas to fulfill military service obligations before they got to say, "I do." And let's not forget Mother Nature and her unappreciated hurricanes.
Such are the incidents for which wedding insurance was invented.
Big-ticket weddings mean costly concerns

Considering how much money is spent on weddings (the average is more than $20,000), getting insurance is a necessity.
The average wedding costs as much as a down payment on a house. It's a major investment. It just makes sense to get insurance.
The insurance can do wonders for a bride's peace of mind, especially with the number of vendors involved and the variety of issues that can't be controlled.
Wedding insurance is a well-established product in Great Britain, but it's been available in the United States for only about a decade. Specialty carrier WedSafe and general insurer Fireman's Fund are two policy sources. You also can ask your personal or homeowners insurance agent about special-event coverage.
WedSafe's standard policies range from $155 to $385. Coverage goes as high as $50,000 for weddings that have to be canceled or postponed.
Coverage typically includes wedding cancellation or postponement if a member of the bridal party dies, gets sick, is injured or can't come to the wedding because of military service or the shutdown of commercial transportation. (Pre-existing medical conditions are excluded.)
It also will help pay for the reconvening of the bridal party for new pictures if the photographer loses the photos or the camera somehow gets damaged, new wedding rings if they're lost, and replacement of damaged, stolen or lost wedding gifts.
Cold feet, however, are not covered. If a bride or groom has a change of heart, the cost of the canceled wedding comes out of his or her own pocket.
Don't overlook the 'other' policy
OK, you bought a wedding insurance policy. But you're not through with your insurance agent yet.

Brides and grooms almost certainly will need liability coverage. This insurance is separate from the standard wedding policy, which covers money you've shelled out on products and services for your wedding. Liability insurance covers you in the event of an accident or injury related to your wedding.
Since liability is additional coverage, you'll pay extra for it, but it's a cost you'll have to bear. Your wedding won't happen at most venues without liability coverage.
If you want to getting married at some very romantic place; a historical mansion, vineyard or the an art gallery; you can bet you won't put a pinky on the property without a policy covering things such as damage to the hall or an injury to a guest or a staff member.
Then there's the alcohol issue. If a guest has too much to drink and then gets in an accident or a brawl, the bride and groom almost certainly will be among those named in a lawsuit. It doesn’t matter who’s wedding it is, people will leave drunk unless you don't serve alcohol.
Couples planning an at-home wedding should review their homeowners’ policy liability limits. Many policies won't cover private special events.
You have to look at your home from a risk-analysis perspective., Talk to your agent. It's very important to check your insurance.
Feel free to contact us and we can point you in the right direction!
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