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Wedding Insurance for Your Perfect Wedding Day

February 6, 2008

By Van Dorst

Weddings are major investments. I am not referring to the emotional investments in the relationship of the soon-to-be-wed couples. I mean: the financial investments of the wedding affairs. US wedding price tags average $20,000 and beyond. As wedding affairs involve such significant investments, securing these investments by taking out wedding insurance seems warranted.

At weddings, the love and the finances of families come together to celebrate the love and trust in the future of couples. Inspired by culture and affluence, weddings can be amazingly dazzling in detail and ritual. The more extravaganza desired, the more planning and management required so that everything will go smoothly.

Even if you’re not planning a lavish wedding affair, wedding planning is required. And with wedding planning comes wedding insurance to protect your wedding expenses. This is simply a smart idea. Wedding insurance protects against the wedding being canceled, postponed, and other unfortunate, unforeseen circumstances.

As weddings are so individual in nature and can vary so dramatically, wedding insurance is very flexible in terms of what it covers. It seems that you can get coverage for everything, but usually not ‘wet feet’ or ‘a change of heart’ - although some do! Anyhow, here is the list of the most common coverage of wedding insurance:

1. Your wedding gown - attire.
A common claim for wedding insurance is bridal firms going out of business, leaving you without a dress for the day. You will want to ensure against this. Insurance also covers a lost or damaged dress. Jewelry is considered separate from the ‘wedding attire’. Look for additional insurance coverage to replace or repair damaged wedding rings and other bridal jewelry.

2. Sickness, injury (or death) of bride or groom, and family attending the wedding.
This is a very relevant insurance, particularly if the bride or groom-to-be wants to go on a snowboarding trip just prior to their wedding…

3. Liability & injury of bride, groom, wedding party and attendants at the wedding.
Some venues will require it and only host your event when you take out liability insurance. When any of your guests gets injured, medical expenses can be covered. When you or a guest cause damage to property, say DJ equipment or venue furniture, for example, those expenses can be covered as well.

4. No-shows of wedding party, officiants and wedding planner.
Of course, some of these are optional. Not everyone has a wedding planner. However, if you have a huge wedding party with planner and all, be sure to tick this box on the insurance form and get it covered.

5. Ceremony & reception venue, caterers and other vendor issues.
This is a section on your wedding insurance policy form that you must tick also. But, it is common to obtain a copy of your vendor’s insurance policy first, to avoid insurance coverage overlap and identify where you are not fully insured.

What could go wrong? Think of caterers going bankrupt, cars with flat tired unable to make deliveries or resulting in (too) late deliveries, lost wedding favors, incomplete service from venue personnel, human error, and other possible misfortune. Besides covering for damage caused by service providers who fell short in providing their contracted product or service, it can also cover non-refundable deposits plus the extra expenses to find new supplier. Some wedding insurance policies cover potential legal costs. Note that your wedding insurance can cover unforeseen expenses also beyond vendor-caused issues.

6. Transport
This would include the limousine and other car hires to transport the wedding couple plus guests to and from the ceremony and reception. If you are planning a destination wedding, do include complete travel insurance. Specifically, make sure you have in writing that your dress is covered when traveling!

7. Photography/videography
Typically couples insure against no-shows of wedding photographers and/or videographers. Usually wedding photography insurance also protects against photographs/video being defective or damaged, negatives being lost, and more. The coverage will help fund a potentially costly reunion of those in the wedding party to have new photos taken.

8. Stolen or lost (sent) gifts.
Gift coverage seems to commonly included in wedding insurance. For destination weddings: check if your travel insurance will cover gift transport. But as a practical note: wedding gifts traditionally were delivered to the wedding couple and not brought to receptions. So, why not arrange for the wedding gifts to stay in your home country and arrange for their delivery when you’re back from your wedding?

9 . Weather on the wedding day and honeymoon.
The last thing you want is a torrential rain storm causing a power outage in the area of where church and reception is located, so that the wedding simply can’t go ahead on the day planned. While gloomy days are typically not covered in wedding insurance, natural disasters such as tropical storms, hurricanes, snow storms with airports closed, are.

10. Honeymoon.
This is typically a travel insurance policy to be taken out in addition to your base wedding insurance.

11.Other circumstances that may affect the wedding and cost.
Every wedding is unique and may have unique aspects that you may need to insure. A wedding on a yacht is completely different from a destination wedding or a back garden family affair. For example, in case of the garden wedding, if you are hiring a wedding marque, you might need to ensure this.

In Conclusion

When you consider that any of these wedding components and realize that any of a million different details may put your wedding at risk, wedding insurance can give you this calm sense that things are under control ‘no matter what’.

Dependent on the amount and type of coverage you need, and of course, where you live, wedding insurance can range from several hundred dollars to about $1000. Compare that to a $20-30,000 wedding investment that you stand to lose, and you will realize that wedding insurance makes sense.

To be well-covered without too much ado, simply begin looking for wedding insurance when you begin your wedding planning. Choose a competent wedding insurance agent who can inform you and work with you. No matter how nice this person is: actually ** read ** your insurance policy to ensure it meets your needs, before you sign.

Enjoy your perfect(ly insured) wedding!

copyright Van Dorst 2008

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Written by Van Dorst · Filed Under 2. Personal Insurance, Other Insurance, Property Insurance (e.g. Jewelry) 

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