Wedding Insurance

Weddings are Back!

Let’s come right out and say it: 2020 put a damper on wedding season. BUT – on the bright side, things are getting back to normal and it’s come back in full force in 2021!

From a sudden vendor cancellation or damage to your treasured white gown, wedding insurance gives loving couples peace of mind on the happiest day of their life.

With the heavy increase in wedding insurance inquiries, we wanted to outline a few unforeseen wedding day ‘situations’ that may arise, examples of what a typical policy covers, policy add-ons to consider, and other tips.

Examples of Covered Snafus:

A limo driver or caterer does not show up on the day of the wedding, forcing the couple to hire a different company in a crunch for double the price.
The bride’s custom-made veil is lost in the airport so she must purchase a new one the day before the wedding.
The reception hall goes out of business a month before the wedding, causing the couple to lose their deposit and scramble to book a new venue last-minute.

What Else is Covered?

A typical wedding insurance policy covers the loss of photos, videos, attire, presents, rings and deposits as well as:

Venue: Policy covers the costs of unavoidable cancellation—damage to the venue—and if the venue is in an unusable condition due to fire, an electrical outage or has closed. Some policies will also cover the rehearsal dinner site as well.
Weather: If weather conditions prevent the bride, groom or relatives whose presence is essential to the wedding or a majority of the guests from arriving to the wedding site; policy covers the cost of rescheduling the event, including all details, such as flowers and food.
Attire and Jewelry: Policy pays to repair or replace special attire and jewelry for the event if they are lost, stolen or damaged.
Military or job transfer: Policy covers the postponement of the wedding due to the bride or groom being called into military duty or forced to make a last-minute job transfer.

Additional Coverage Options:

Considering the average wedding budget, with baseline policies starting as low as $160, it gives you plenty of room to customize and add additional protection that’s important to you.

Photography: Covers the cost of retaking photographs if the photographer fails to show up or if image negatives are lost, stolen or damaged.
Videographer: Policy pays to have a video montage created, video compilation of photographs or retaking the video using restaging techniques if the video is damaged.
Gifts: Policy pays for the cost of repairing or replacing non-monetary gifts that are lost, stolen or damaged.
Personal liability: Policy covers bodily injury or property damage caused by accidents that occur during the wedding.
Liquor Liability: Policy protects against on premises alcohol-related accidents that can result in your liability.
Honeymoon: Certain policies include optional travel insurance for the honeymoon.

Tips to Consider:

Do extensive research on the vendors you select before signing on the dotted line.
Use a credit card versus a personal check to pay for services, as it is easier to dispute charges when using a credit card.
Keep your deposits small, as most are non-refundable, to protect against a large loss if you need to reschedule or cancel your wedding.

Note: Don’t Forget to visit our post on insuring your valuables for insights and best practices on how to protect those rings!

Count on Us!

Contact Charlie and his team at Robertson Ryan to learn more about how to customize a policy just for you and help eliminate one less wedding day worry!