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How and When Do I Get Wedding Insurance?

A lot of components are involved when planning a wedding. The cake, flowers, music, food, and your dress are all very important. However, have you ever wondered if you could be missing something? Maybe wedding insurance?

If that thought hasn’t crossed your mind, maybe it should. Wedding insurance can take some stress away by providing you with liability coverage and sometimes even more. This can include scenarios like:

  1. Vendors who fail to show up
  2. Extreme weather
  3. Illness or injury

Sometimes, an existing policy, such as your homeowner’s or umbrella, can cover the liability. However, this depends on your wedding’s location. There usually are two main kinds of coverages, and these include liability and cancellation.

Liability: Damage to the venue or the injury of a guest that you are held responsible for.

Cancellation: Reimbursement for any cancellation due to severe weather, injury, or illness.

It’s important to note that wedding insurance is no superhero. There are some limitations to what it can cover. Things like cold feet, rainy weather (not severe), a stolen engagement ring, or even a change to your plans (ex. switch of cake maker), will not be covered under any wedding insurance policy.

When should I purchase wedding insurance?

If you’re wondering when to buy wedding insurance, it’s better to do it early. As soon as you start purchasing things for your wedding, you should give your agent a call. Many times, it is necessary to buy wedding insurance at least a month before the event, especially in the instance something does happen.

How much will it cost?

You are also probably wondering how much the insurance costs. Believe us; we know how expensive a wedding can be. The range of prices is rather broad. On the lower end, wedding insurance can run around $100.00. It can, however, run up to $1000.00 or more. It all depends on what kind of coverage you are seeking.

If you want to take some stress from planning your big day, give us a call. We would love to be a part of something so special.

Contact us here or call us at (410)-742-5111.


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