Wedding insurance is a thing, right? Most brides and grooms probably have never heard of it or laugh at the idea of getting their wedding insured. But if your wedding is cancelled or someone gets hurt at your reception, buying short-term wedding insurance can save you a lot of trouble.
What kinds of insurance are there for a wedding?
There are two kinds of wedding insurance that brides and grooms can choose to buy. There is insurance for cancelling a wedding, and there is also insurance for wedding liability. Wedding cancellation insurance covers you if your wedding has to be cancelled because of things like bad weather or the officiant not showing up. It protects your deposits, attire, photographs, etc.
The other kind of wedding insurance is liability insurance, which protects you in case someone gets hurt or something gets broken at your wedding. This kind of wedding insurance is more common because many venues require couples to have it.
When should you buy insurance for your wedding?
If you want to buy wedding insurance, you should plan to buy it as soon as you start looking for dresses and places to hold the wedding. Most companies won't let you buy a policy until 24 months before the wedding, and most won't let you buy the insurance until 15 days before the wedding.
What Most Policies Cover
Most wedding insurance policies cover these things, but you should still read your policy before signing to make sure it covers everything you need:
- Illness/Injury
- Climate
- Official Not Present
- Whereabouts
- Missing Vendors
Others who rode:
Service in the Military
- Liability
- Dresses and Suits
- Honeymoon
- Gifts
Not often covered:
- Cancellation because you knew about it before you bought it
- Cancellation due to cold feet
Should You Get an Insurance Plan?
When some people hear about wedding insurance for the first time, they laugh because they think it's just another way for couples to spend money. But most weddings cost tens of thousands of dollars or pounds. Most of the time, you can't get that money back if something terrible happens, and some couples feel a lot better knowing that they won't be out thousands of dollars if they have to cancel their wedding.
