Wedding Insurance: Why You Need It
You’ve planned every detail of your perfect day, from the flowers to the music to the dress. And we know how expensive weddings are these days — you’ve invested a lot in this plan. But what about things you can’t plan? Like a venue or contractor going out of business? Or a hurricane ruining your outdoor wedding plan? These situations could leave you losing all of the money from your deposits.
Here at Doherty Insurance, we believe that when it comes to making your special day perfect, wedding insurance is crucial. For as little as $160, you can purchase a policy to protect you from a range of situations. Here are some of the most handy protections a wedding insurance policy can provide:
Severe Weather: If you’re forced to postpone your wedding due to severe weather, your insurance policy can provide reimbursement for non-recoverable expenses.
Wardrobe Malfunctions: You may have seen stories in the news recently about wedding boutiques going out of business, leaving countless brides with no dress for their big day, even though they had already been paid for. If this happens to you, your wedding insurance can cover the replacement cost of a new dress. It can also cover repairs if your dress is damaged.
Vendor Issues: Your wedding insurance policy can also be helpful if a vendor like the facility for your reception, your florist, band, or DJ, all of whom have signed contracts with you, go out of business, declares bankruptcy, or just fails to show up on your wedding day by reimbursing you for any deposits you’ve paid.
Sudden Illness: If the bride, groom, or their parents fall ill and are unable to attend the wedding, causing you to postpone, a wedding insurance policy can reimburse you for non-recoverable expenses.
Liability Protection: Wedding insurance policies can also be tailored to provide liability protection in case you or a guest are injured or cause property damage during your wedding. You can also add on specific liquor liability coverage to protect yourself against liability arising from alcohol-related incidents.
Brides and grooms — if you haven’t already, you should also definitely consider insurance for your rings! While you may think that your homeowners or renters insurance policy is adequate, many do not provide full coverage for things like jewelry because these policies all have limits. For example, you may only be covered for up to $1,000 for jewelry. Additionally, these policies may only cover instances of theft. Meaning if you lose your ring or if a stone falls out of the setting, your homeowners or renters policy will not cover the cost of replacing or repairing the ring. Luckily, you can easily purchase jewelry coverage by contacting Doherty Insurance today!