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If you're engaged, do you need wedding insurance?

Weddings can cost a pretty penny.  If you want to recover those costs in case of an expected change, you will want to purchase wedding insurance which runs a nominal fee starting as little as 10/month.

Here's are some events wedding insurance can be helpful: please check with your agent on your specific coverages.

Change of heart. We'll get everyone's first question out of the way. No matter how well insured you are, if your bride or groom leaves you sheepishly standing at the altar in front of hundreds of guests, there isn't a policy that will cover that. Whoever is paying for the wedding will have to eat the costs – and with any luck, the guests will stay and eat some of the food.

Someone important suddenly can't make it. Insurance won't pay if the groom or bride gets cold feet and bolts, but if either becomes seriously ill or there's a death in the family and the wedding has to be postponed, wedding insurance will cover that. Many policies even cover unexpected absences, such as a bride or groom being called away for military service.

Also, if an officiant, such as a minister or rabbi, or a key vendor, like the caterer, florist or photographer, does not show up, you can recover some of the costs.

Liability. It depends on your policy, but most will cover you if a guest is injured at your wedding, or if a drunken guest drives away from the reception and gets into a car accident. But don’t fool yourself into thinking you have a blanket policy that will cover every problem you can imagine. For instance, most policies cover a 24 to 48 hour period, often starting from the wedding rehearsal dinner to the end of the reception. If your guest crashes a couple hours after your coverage and reception has ended and has the temerity to sue you for it, you'll likely have to get your own lawyer and not rely on your insurer's.  Alot of venues require you to have liability insurance.

Something goes out of business or breaks. If the reception hall or the caterer you booked can't service your wedding, or your florist bungles the order, or your wedding gifts are stolen while you're giving the toast, this is where most wedding insurance policies really shine. In other words, you'll likely recoup all or most of your costs, depending how thorough your policy. But keep your expectations in check. For instance, if your photographer loses all of your photos or simply doesn't show up, you may want to redo the entire wedding. But you can't, of course – at least not on your policy's dime. In this case, the insurance would pay – within reason – to bring the wedding party back together to take individual and group shots.

When you may not need coverage. If you're having a big affair, keep in mind that coverage can overlap.

Of course, if you are spending an unnerving figure like $30,000, you may not care if some coverage overlaps. After shelling out $500 for a wedding cake or $300 for invitations, what's a few extra hundred dollars for wedding insurance?

Call us today at 281-558-2210 or email to get a quote.
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