Your wedding is one of the most memorable days of your life. Months of planning, decisions, and time go into making it perfect. However, despite your best efforts, things do not always go as planned. This is where wedding insurance can step in to help.
What does wedding insurance cover?
One of the most frequently asked questions by couples is what wedding insurance covers. Here is a breakdown of what is generally included:
- Liability: Covers injuries or accidents that occur during the wedding. For example, if a guest slips and falls, then liability coverage can help cover their medical bills.
- 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.
- Weather: If extreme weather such as hurricanes or earthquakes force you to cancel your wedding.
- Wedding gifts: Some policies cover damage or theft of wedding gifts up to an estimated value amount.
What is not covered?
While wedding insurance is comprehensive, there are limits. Here are a few common situations that are often not covered:
- Cold feet: If you or your partner decide to call off the wedding due to a change of heart, it will not be covered.
- Foreseeable issues: Weather conditions that were known in advance are not covered. For example, planning an outdoor wedding during hurricane season.
- Equipment damage from outside rentals: Damage to equipment rented from a company not affiliated with the venue is typically not covered.
- Intentional acts: If you or your partner cause intentional damage or cancel your wedding, insurance won’t cover it.
What factors influence the cost of wedding insurance?
The cost of wedding insurance depends on several factors. The location and the number of guests have an impact. For example, the more guests you have, the greater the risk of an accident, so the higher your premium will be. The coverage limits you choose will also influence the cost. It is important to note that some venues may require specific insurance amounts, which can affect costs. The cost of your insurance can also be influenced by whether or not you are serving alcohol at your reception.
Let’s talk
Planning a wedding is stressful enough. Make sure your big day is protected. Contact one of our experienced Avery Hall agents today for a free consultation at 410-742-5111.