What Is Wedding Insurance?

On one of the most important days of their lives, there is going to be some type of accident despite the couple's best intentions.

The best man's clumsiness could cause the bride to tumble into a pool. Someone might stumble on the dance floor. Alternatively, a wedding cake could fall to the ground.

Not all accidents are caused by gravity. Some could be more expensive, such as the country club hosting the reception going out of business a month before the wedding, resulting in the loss of the deposit, or inclement weather causing the postponement of an outdoor wedding.

While certain concerns, such as the best man unintentionally knocking the bride into the pool, cannot be resolved with money, others, such as a closed venue and a lost deposit, can be restored if the couple has wedding insurance.

What Is Covered By Wedding Insurance

This form of insurance, often known as special event insurance, can cover an anniversary party, bar mitzvah, graduation party, or any other special occasion. It is intended to give financial protection in the event that you must cancel or postpone an event due to inclement weather, natural disasters, death, significant sickness, or injury to essential players.

You are also covered if an officiant, such as a preacher, or a crucial vendor, such as the caterer, fails to appear.

These are the primary concerns that special event insurance protects against. Typically, policies stipulate a maximum amount for each component and impose a deductible.

A wedding may be postponed for any of the aforementioned reasons, in which case a portion of the expenditures would be paid by insurance. A groom's firm suddenly relocating to another location or the bride or groom getting called to military duty just days before the wedding are examples of additional concerns.