This summer, while your Facebook feed fills with images of bridal showers and weddings of friends or strangers, many soon to be brides and grooms are busy preparing for (and possibly stressing about) their special day.
If you are currently planning a wedding, we strongly encourage purchasing wedding insurance. Like with all insurance, it’s peace of mind in “what if” situations. As a recent newlywed, I’m here to tell you first hand why wedding insurance is actually important.
There are two main reasons.
- Your venue says so. Our venue didn’t give us an option. We needed specific liability limits and to list the venue as an additional insured on the policy.
- Protect yourself and your family against something going wrong. As with any other day, you can’t assume that your wedding day will go perfectly.
So what are you protecting against?
No one will get injured, right? Well, not necessarily. We were lucky that no one was injured, especially considering the MANY ways people could have been hurt. For instance:
- A friend dropped her drink on the dance floor, causing the drink to spill and the glass to break. Tons of us were dancing barefoot. Someone could have slipped or stabbed their foot (or worse) on a piece of glass
- Both my parents almost fell down the stairs. And no, my parents weren’t drinking. The stairs to the bridal suite had poor lighting, which is a recipe for disaster when the women are trying to walk up or down the stairs in high heels and a long gown. No guests wandered up there during our wedding, but if they had and they tripped, we would have an injured and angry friend or relative on our hands, and possibly a medical bill.
- We had at least 9 candles on each table. Anyone could have burned themselves or scorched their tie or their hair if they reached in or leaned over incorrectly, even though we followed proper fire protocol for candles. I was recently at a wedding where a napkin accidentally ended up on top of a candle. That could have ended badly, but we noticed and moved the napkin.
- The train of my dress kept falling out of its bustle, and I almost tripped quite a few nice people who were trying not to step on my dress. I actually almost tripped on my own dress during our first dance.
- At one point, my heel accidentally lodged itself in the wood plank on the patio. Anyone could have done the same and fallen in their attempt to remove their shoe. Ouch
No show vendors
One of our vendors got stuck behind a terrible car accident and was late. It didn’t end up affecting the day, but what if one of our vendors couldn’t show up? We’ve already paid a hefty deposit, and they won’t give us the money back? Or, what if the caterer can’t make it, and you have to find a new one at the very last minute? Wedding insurance can help cover a portion of the cost of the original contract price.
Cancellation or postponement of the wedding
What would happen to your deposits if the event is cancelled or postponed because the venue goes out of business, certain family members fall ill, or the bride or groom is suddenly called to duty? Your wedding insurance can reimburse you for the deposits you now lost, so you can focus on what’s important.
Photography and Video
If the photographer is a no-show or if they lose all your photographs, your wedding insurance can pay for the cost to get your bridal party together again to re-take the photos you missed out on.
Bride and Groom Attire
You found the perfect dress or suit and now it was lost or damaged (but not your fault)? Insurance can help you repair or replace it. This is especially important for couples having a destination wedding. Airlines have been known to displace luggage in the past.
Your wedding day should be a day full of happiness, and a wedding insurance policy can help ensure that it if anything goes wrong, you are covered. With a premium as low as $200, it’s definitely worth it.
*Disclaimer: Read your wedding insurance policy thoroughly to check coverages. Each policy may be different and may not include the specifics mentioned above.