You’ve done it all! You found the perfect dress, ceremony location, reception venue, orchestra, and catering company. You’re feeling great like you’re on Cloud 9 when someone has to come in and burst your bubble by asking what if someone got very sick during your reception. What would you do? Chances are, you’ve heard of wedding insurance, which like most insurance programs, are supposed to protect you from any unforseen accidents or events that might occur before or during the wedding. Many engaged couple choose to invest in some form of wedding insurance to ease their minds in case something should occur. But is it right for everyone and should you invest in a policy plan? Lets find out.
Types of Wedding Insurance
Essentially there are 2 types of insurance, each of which are used for specific reasons. There is liability insurance (the most common form of wedding insurance), which indicates that should something happen to one of your guests, officiants, or vendors during the big day, it protects you if you’re held liable. The second type reimburses the costs of cancellations due to severe storms, bad vendors, or anything else of the like. There are also types of wedding insurance that give you a la cart options to customize a plan that is best for you.
Look At The Details Of Your Own Wedding
How much is everything going to cost and do you feel like buying a wedding insurance plan is worth it? Work it according to your budget and research 3 or 4 plans to find out more.
Does Your Vendor Require Insurance?
Many vendors may ask for a proof of liability insurance but even if they don’t, its a good idea to have. Do check your vendors to find out if they already have insurance policies because if they do, you probably won’t need liability insurance.
Research and Read The Fine Print Before Signing Up
Treat insurance companies in the same business-like manner you treat your vendors. Always research the company, read the fine print, and ask questions. And never sign up for anything you’re not feeling comfortable with.
