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Considering Wedding Insurance
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Preparing For the Worst, Hoping For the Best

Like everything else you spend a lot of money on, a wedding is yet another “purchase” that you might want to consider getting insurance for. By doing so, you are in no way downplaying the romantic aspect of the ceremony; just as prenuptial agreements in no way downplay the love you share.

Insurance plans vary, so you’ll need to talk to your agent about the nuts and bolts. Depending on the type of wedding you’re having, the amount of guests and members, and the amount of money you’re spending, insurance may or may not be for you. Don’t automatically assume it’s like car insurance, a necessary expense before heading down the road of life.

There are two basic types of wedding insurance: general and liability. General insurance covers most acts of God (and bad vendors), and deals with everything from a dress that’s torn by the manufacturer while being delivered, to a caterer that goes bankrupt three days before your big day. Basic wedding insurance costs around $150. (Check ahead of time if vendors have their own insurance; you might already be covered for disasters).  Liability insurance is more costly (around $200), and takes care of accidents (a flower girl trips and hurts her knee, Uncle Mo breaks his collarbone...) Like any party, you could be held responsible for their medical fees.

Some things you might not have considered: If someone in the wedding party is in the military and is shipped out, insurance may cover the costs to postpone the wedding. If the videographer’s film is destroyed, insurance may cover the costs of restaging the whole ceremony, or at least having him or her create a montage out of photographs. If gifts are damaged, insurance may cover replacement costs. Insurance might cover (often for a higher fee) the cost of finding a new florist should yours go AWOL, a new cake if the baker has a pre-wedding meltdown, even the price incurred for finding a last-minute site if a fire destroys your dream spot.

Wedding insurance usually doesn’t cover some priceless items, like that family heirloom your Grandma handed down to you that your ring-bearer-dog ate at the rehearsal dinner. Jewelry is often insured separately. And if, for any reason, you postpone the service, it’s pretty much up to you to take care of. Sit down with your fiancé, go over what you can’t afford to lose, talk to other couples who purchased insurance and ask them if it was worth it, then speak to an agent about different policies. In the end, you’ll know if the price is right.
 
 
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