Your wedding day is one of the most important days of your life; but unforeseen circumstances can
strike even the most well-planned event. Today’s weddings have an average price tag of $27,000. You
wouldn’t think twice to cover a new vehicle of the same price. And with deposits to caterers, bridal
shops, venues, DJs and more—you’re depending on a lot to make your wedding perfect. Doesn’t it
make sense to protect your special day with a wedding insurance policy?
A wedding insurance policy provides protection if certain unforeseen events happen not only during
the wedding day, but in the planning phase as well. There are coverages for cancellation/postponement,
event gifts, event attire, jewelry, and lost deposits (see our list below for more details).
When we see “unforeseen circumstances”, the first thing we may think of is inclement weather, but a
study of 2010 wedding insurance claims showed that the most common problems were associated with
vendors and venues. This includes vendors going out of business before the event or failing to show up
on the day of the event. Outside of vendor issues and bad weather, your wedding insurance can cover
cancellation and postponement due to sickness, untimely death, or travel delays. Wedding insurance
also includes coverage for rehearsal events that take place withing 48 hours of the event.
In fact, for as little as $160, a wedding policy can cover a variety of claims like:
- No Dress
You can get repair or replacement cost if the attire of the bride or groom is lost or damaged. - Lost Deposits
Your deposits can be reimbursed if a vendor goes out of business, declares bankruptcy before
your wedding day, or fails to show up. - Lost Rings
You can receive repair or replacement cost if the wedding bands are lost or damaged. - Severe Weather
If severe weather (such as a hurricane) forces you to postpone your wedding, a protector plan
can provide reimbursement for non-recoverable expenses. - Transportation Shutdown
If you have to postpone the wedding because a commercial transportation shutdown prevents
the bride, groom or their parents from getting there, you can receive reimbursement for non-
recoverable expenses. - Ruined Photos
If your photographer’s film is defective, or negatives are lost or damaged, a plan can help cover
the cost to re-take new photos. - Call to Duty
If the bride or groom is unexpectedly called up to active duty, or has her or his military
service leave revoked, forcing you to postpone the event, reimbursement is available for non-
recoverable expenses. - Damaged Gifts
You can get repair or replacement cost if wedding gifts are damaged. - Sudden Illness
If illness prevents the bride, groom or their parents from attending, you can receive
reimbursement for non-recoverable expenses as a result of postponement. - Venue Requires Insurance
As an additional option, you can add liability coverage to protect yourself in case a guest is
injured or causes damage to property. - Liquor Liability
As an individual liability option, you can add this coverage to protect yourself against liability
arising from alcohol-related occurrences (subject to policy conditions and exclusions). - Additional Expense
If a vendor suddenly becomes unavailable for your event, but you can find a last-minute
replacement, a protector plan can reimburse you for the difference in cost.
With a variety of coverage tiers to choose from, InsuranceAgency.com can help you to assess your
event and determine the level of coverage you need. For more information on wedding insurance, get
a quote from InsuranceAgency.com to see how we can help provide you with peace of mind on your
special day.
