NAZNET
What is wedding insurance?
Wedding insurance, which is also billed as special event insurance, is an insurance policy that covers cancellation of a major event due to bad weather or death, illness, or serious injury of a key participant.
What happens if the photographer or DJ gets sick?
What is the backup plan if the caterer drops the cake?
What is the backup plan if the caterer drops the cake?
Is the company insured?
What are the penalties if the company fails to deliver on the promised goods or services?
What happens if you need to cancel the contract?
What are the penalties if the company fails to deliver on the promised goods or services?
What happens if you need to cancel the contract?
Fire, flood, or act of God
Many couples assume that purchasing wedding insurance will take care of them in case of a major weather event or other forces outside of their control. Unfortunately, that's not necessarily the case.
While cancellation or postponement coverage on a wedding policy could pay out in the event of an extreme weather phenomenon, it's generally only honored in the case of a statewide emergency. A more localized weather emergency may just be considered bad luck for the happy couple.
Liability coverage
Having a number of drunk wedding guests all in one place can potentially lead to damage, destruction, injury, or half the family refusing to speak to the other half. This is where wedding insurance could be helpful in protecting yourself from liability.
Lost or destroyed gifts
Another Important selling point for wedding insurance is protection from stolen, lost, or destroyed wedding gifts. However, if gifts are stolen or damaged while at your home or in your car, then your homeowners insurance or auto insurance policy may already cover the loss.
Protecting your wedding day
The best-laid plans of brides and grooms oft go awry, and anyone who has ever been to a wedding can attest to the impossibility of a major event coming together perfectly. But there's a difference between the funny story of the caterer delivering a bachelorette cake to the wedding, and a true wedding day disaster.
*Uyoma Nyabera**