This is will short, sweet, and to the point. Purchase wedding insurance. No really, purchase wedding insurance. It’s very inexpensive with liability insurance averaging around $150 for $1,000,000 in coverage. How can you pass that up? Not to mention it’s something all professional wedding and event sites require. It is also a nice cushion to have in addition to your homeowner’s insurance if you are getting married at home.
Where Do You Purchase Wedding Insurance?
This is so easy, simply click this link and fill out a few forms. Last time I did this for a bride it took about 20 minutes. You can do this as last minute as the day before the event.
WedSafe.com offers two basic types of coverage.
Wedding Event Cancellation/Postponement Insurance – protects your financial investment in your wedding; covers cancellation/postponement, lost deposits, and more.
Wedding Liability Insurance – protects you against financial liability arising from your wedding; required by many venues.
2.) Your Homeowner’s Insurance:
Most homeowner’s insurance policies will allow you to add liability insurance, for your event date only, to your policy. They sometimes do this for free or a minor charge. The main thing is to make sure they name your wedding venue as “additionally insured” on your wedding date.
I recommend all of my couples purchase Wedding Liability Insurance. So far I have not had a bride purchase Wedding Event Cancellation/Postponement Insurance. I have had one wedding get rained out where we had to add a $10,000 tent three days before the wedding. It’s possible that certain types of insurance may have covered that last minute cost. If you are going to go for the full coverage, just find out what it all covers. No show vendors are usual in the coverage, but what about “Acts Of God?” (rain, flood, fire, earthquake) If you are in the military, there are types of insurance that will cover unexpected deployment. I would think this would be essential.
Don’t worry, I’m sure your day will be perfect, and in case it isn’t, you’ll be covered. 😉