Insuring Your Wedding

Insuring Your Wedding can give you peace of mind in case something goes wrong.

The cost for  a wedding can skyrocket quickly, with the national average cost of a wedding hitting over 35,000. According to The Knot, couples are now focusing on making the wedding fit their own personal preferences. The focus is also on giving the guests an enjoyable and fun experience. Spending per guest has increased from $194 in 2009 to $245 in 2016. Couples are spending more money on specialized amenities which may include food trucks, lawn games, photo booths to performers in addition to live bands or DJ’s.

After your wedding plans are made and your deposits are paid, something unforeseen happens. You have planned a beautiful outdoor wedding at a beautiful destination but, suddenly they are calling for severe weather. How do you handle the extra expense and the possibility of losing your deposit for the venue? Thankfully, there is insurance that can cover the unexpected disasters should they occur giving you peace of mind.

Insuring your wedding can cost as little as $160 and cover a variety of situations, such as:

• No dress. Couples can get a repair or replacement cost if the bride’s wedding gown or groom’s tuxedo is lost or damage

• Lost deposits. Reimbursement of your deposit if a vendor goes out of business, declares bankruptcy before the wedding or simply fails to show up

• Lost rings. Receive repair or replacement cost if the bride or groom’s wedding bands are lost or damaged

• Severe weather. If severe weather (such as a hurricane) forces a postponement, the policy can provide reimbursement for certain non-recoverable expenses

• Reimbursement is available if a necessary and unavoidable cancellation or postponement of the event occurs. Reimbursement is available for transportation, food, catering services, property and equipment rentals, hall and location rentals, and more

• Ruined photos. If a photographer’s film is defective, or negatives are lost or damaged, insurance can cover the cost to retake new photos

• Call to duty. If the bride or groom is unexpectedly called up to active duty, or has her or his military service leave revoked, forcing postponement, insurance can provide reimbursement for non-recoverable expenses

• Damaged gifts. get repairs or replacement cost if wedding gifts are damaged

• Sudden illness. If the wedding needs to be postponed because sudden illness prevents the bride, groom or their parents from attending, the couple can receive reimbursement for certain non-recoverable expenses

• Venue requires insurance. As an additional option to the policy, couples can add liability coverage to protect themselves in case a guest is injured or causes damage to property

• Liquor liability. As an individual liability option to the policy, a couple can add this coverage to protect themselves against any liability arising from alcohol-related occurrences (subject to policy conditions and exclusions)

• Additional expense. If a vendor suddenly becomes unavailable for the event and a couple cannot find a last-minute replacement, the policy can reimburse them for the difference in cost, up to 25 percent of the original contract price

Insuring your wedding is quick and easy.

Finally, with so many things that could go wrong, insuring a wedding is something that could benefit a you greatly if something does go wrong. A policy can be purchased 2 years in advance of the event or 14 days with some restrictions. Core coverage starts the day the policy is purchased and ends on the date of the event. Should you opt for the additional liability coverage, this coverage has an extended date for the purposes of the liability. Policies are required to be paid in full at the time your policy is written.

For questions or to start insuring your wedding today, call Alliance Insurance Services at 336-377-9003.