Do I need wedding insurance?
Though you might not want to think about it, you have to be prepared for anything on your wedding day. From a sudden cancelation to stolen gifts to a damaged gown, wedding insurance can help protect you and your loved one against the unforeseen.
Two types of coverage
Insurance can be a complicated business, and wedding insurance is no exception. Similar to how your car insurance has both liability and comprehensive options, wedding insurance typically comes in two types: liability and cancelation.
Liability insurance protects you from responsibility from any accidents or injuries during your ceremony or reception. This extends to alcohol related incidents to an accidental injury. Some venues require this, and your local jurisdiction may also require it for a liquor permit. Rehearsal dinners are not usually, but can sometimes be added.
Cancelation insurance reimburses you for all money spent in the event your wedding has to be called off. There is a very important caveat to this: nearly all policies do not cover a change of heart. There are some exceptions to this and they almost exclusively apply to a third party paying for the wedding. This does in fact cover something we have all become very aware of: pandemic & weather related cancellation.
Work with a professional
Every person's insurance needs and wedding scenario is different. That's why we will go over exactly what you need to make sure every last detail of your special day is covered.