Your backyard might be the perfect place for your dream wedding, but even the most charming settings come with risks. Let’s dive into how you can make sure your big day is protected.
Does home insurance cover backyard weddings?
Many people believe that their standard home insurance policy will cover their backyard wedding. While home insurance offers some protection, it is often not enough for an event as significant as a wedding. Home insurance is designed to help pay to repair or replace your home and belongings if they are damaged by certain perils such as fire or theft. It is not tailored to cover all the unique risks associated with a wedding. This is where wedding insurance can step in to help.
What is wedding insurance?
Wedding insurance is a type of special event coverage that can help protect your wedding day from unexpected events or circumstances. It ensures that you are not left paying hefty bills for accidents and cancellations.
Do you need wedding insurance for a backyard wedding?
Wedding insurance provides protection for situations that your home insurance policy won’t cover. For example:
- Liability coverage: Covers injuries or accidents that occur during the wedding.
- Cancellation and postponement coverage: Provides protection if severe weather, sudden illness, or an unforeseen emergency causes you to cancel or postpone your wedding.
- Vendor no-shows: If a vendor, such as a caterer or photographer, fails to show up then wedding insurance can help you recover the costs.
- Specific wedding risks: Unlike standard home insurance, wedding insurance covers the cost of lost deposits, damaged wedding attire, or stolen gifts.
Overall, wedding insurance is a small cost compared to the potential financial burden of an accident. A backyard wedding can still involve significant costs, whether that be from catering, rentals, to decorations.
Let’s talk
Your backyard wedding should be a day of love and celebration, not stress and uncertainty. Wedding insurance is an easy way to ensure your event is memorable for all the right reasons. Contact one of our experienced Avery Hall agents today at 410-742-5111 for a free consultation.