Wedding Season: Protect your happily ever after

wedding photo by Kevin Rohr

You’ve picked out the table linen, found your dream venue, and figured out a way to seat all of your family members in one room without them strangling one another — it must be time for your wedding!

Family conflicts included, as much as you plan, you can never predict everything that may or may not happen on the “big day”.

It is important to consider the many different ways you can protect your big day from being ruined by illness, a late vendor, or bad weather.

It is best to contact our independent insurance agents as soon as you make the decision to be married (jewelry insurance anyone?), because we can walk you through the steps of obtaining wedding insurance as well.

Although referred to as “wedding” insurance, you can obtain special event insurance for practically any special event you plan. Overall, the policy is designed to provide financial protection if you have to cancel or postpone your event due to unforeseen circumstances (having cold feet doesn’t count), according to our friends at Trusted Choice.

What’s Covered

The insurance is usually pretty inexpensive and generally protects your financial investment if some of the following things happen:

  • Cancellation of the wedding due to adverse weather and natural disasters.
  • Death, illness or serious injury of key participants in the event. If the minister or rabbi, or a
  • Key vendor, like the caterer, florist or photographer, does not show up.

What Else Should I Insure?

Every wedding is different so you also have options to add a “rider” or additional protections for the following:

  • Military service — if you or your “soon-to-be” is suddenly called to duty.
  • Gowns and tuxedos — if the dress is damaged when you pick it up or the store suddenly goes out of business.
  • Gifts — if gifts are not covered by your homeowners or renters insurance, provides protection against theft or damage of gifts.
  • Honeymoon — in case you need to cancel your trip due to illness, bad weather or other circumstances.

Keep in mind that venues usually have their own insurance policies, so it is important to do your research to avoid paying double the cost. If you get married at your home or at a private property, you will need an additional stipulation to your policy to protect your event.

Be sure to talk to our independent insurance agents before making major decisions like paying deposits for venues and limos. May your wedding day be filled with security, happiness, and plenty of wedding cake!

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