Wedding,Insurance,Your,Checkli family Wedding Insurance: Is it on Your Wedding Checklist?

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You insure your home and you insure your car. Should you also insureyour wedding? It’s not a common line item you’ll find on a weddingchecklist or in your wedding planner, but maybe it should be. Insurancecovers the unforeseen and unexpected events and weddings are eventswhere things can and do go wrong. Some thief walks off with your entiregift table? Wedding insurance covers it. Your bridesmaid steps on yourdress at a fitting and you hear a big rip as you walk toward the mirrorto admire it? Wedding insurance covers it. Before you dismiss weddinginsurance from your wedding planning needs, here’s what you need toknow to make an educated decision on whether or not it’s for you.Wedding Insurance 101Weddinginsurance protects you from unforeseen circumstances that have anill-effect on your wedding. It covers any money you’ve spent or a lossyou incur from the unknown circumstances that can happen leading up toand during the wedding. The best way to illustrate how wedding insurance can work to your advantage is with examples of things that can and do happen.•You’re flying off to your destination wedding in Aruba. Yourhusband-to-be checks his tuxedo in his suitcase. You arrive in Arubaand when the baggage belt for your flight stops, your groom’s luggageis nowhere to be found. That’s right. His suitcase is lost and hiswedding tuxedo is lost right along with it. Wedding insurance coversthe replacement cost of the lost tuxedo and covers the expense offinding a new outfit for the groom in Aruba.• You have bookedyour dream wedding venue for your reception. After nine months ofplanning, your wedding day is three short months away. Your mom comesinto town for a visit and you decide to go by the venue to show heraround. When you stroll up to the front door and pull on it, it’slocked. That’s when you notice a huge “Gone out of Business” sign onthe front door. Wedding insurance covers the loss of the deposit moneyyou’ve paid to this venue and covers the cost of finding a new one.•On the way to the reception venue, the van delivering your wedding cakegets rear-ended in a traffic accident. Needless to say, your cake issmashed to smithereens. The sugary creation took three days for thebakery to make and assemble. A substitute dessert can be supplied butwhat about the $750 you spent on the cake? Wedding insurance covers it.This is simply a sample of some of the realistic disasters thatcan cause a financial loss. These are but a few of the scenarioscovered when you have wedding insurance.The Cost of Wedding InsuranceWeddinginsurance works similar to other types of insurance you carry. There isa basic wedding insurance policy, which typically covers vendordeposits, presents, wedding rings (not engagement), photos, videos andattire. This basic policy can cost anywhere from $150 to $550—varyingaccording to the amount of coverage you choose. As is the case withalmost any policy, the higher your amount of coverage, the more thepolicy costs and vice versa. For accidental coverage, also known asgeneral liability insurance, you’ll pay in the neighborhood of $185 fora $1,000,000 policy. Considering that a wedding typically costs tens ofthousands of dollars, this seems like a small price to pay for coverageand peace of mind on one of the biggest days of your life.How to Know if You Need Wedding InsuranceMostwedding venues and vendors carry insurance, so do your homework beforeyou buy wedding insurance and ask each of your wedding vendors if theycarry insurance and how much it covers. It is within your right to askfor a copy of their policy so you have in writing precisely what itcovers rather than go by what the vendor says. Having this informationhelps you see what is already covered and what may not be covered.Rather than buy a wedding insurance policy that overlaps with what isalready covered by your vendors, you only need to consider weddinginsurance for what isn’t covered.The What, When and Where of Wedding InsuranceThereare some restrictions and limitations with wedding insurance and thereis typically a deductible. Some of what is covered by wedding insuranceis the venue, weather conditions, vendors that don’t show up or providethe product or service you paid for, an illness or injury to the brideor groom, postponement because of military duty or corporate employmentrelocation. Some of the items that may not be covered include weddingcancellation by the bride or groom, jewelry and the engagement ring.Policy RidersThereare riders you can add as supplements to your base insurance policy.These riders provide added coverage for specific circumstances that mayarise. Coverage types include gifts, photography, videography, attire,personal liability, medical and the honeymoon.Getting weddinginsurance when disaster has struck is too late. It’s the same as tryingto obtain a hurricane insurance policy after your house has beendestroyed by a hurricane. It’s not going to happen. Obtain your wedding insurance policy inthe beginning stages of planning—if you can. Check with the weddinginsurance provider to see how far in advance it requires you to obtaina policy. Then you’ll have added peace of mind that you’re covered ifsomething goes wrong. 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You can read Kristie’s blog at www.weddingsdiva.blogspot.comor learn more about her writing and marketing services at www.studiokwriting.com.