Buying Wedding Insurance

If you are having an expensive wedding, it is often a good idea to consider buying wedding insurance. If, for example, the groom were to be in a serious car accident or there were to be some sort of fire that would require the cancellation of the wedding, you would normally be on the hook for all expenses. Wedding insurance is something of a loophole in most insurance plans; there is simply nothing that covers it. If something goes seriously wrong, then all the money that one would spend on the day would be lost and would not be covered by any standard insurance plan.

Note that wedding insurance would only apply to things that are beyond the control of the bride and groom and only to those things that would outright prevent the wedding, or for some aspect that goes wrong. So, for instance, you can't get any insurance for cold feet. You could get insurance in case something prevents the wedding from happening, even if it's strange and trivial, so long as it's beyond your control, such as a limousine that gets lost for four hours. You should check, though, about the kind of tragedies that would count. If a parent of the bride or groom were to pass away the day before the wedding, for example, this might not count on many policies, so be sure to get specifics as to what counts as "beyond your control".

You can also ensure against specific things that might go wrong. For example, if for some reason the dress were to be damaged and you needed a last minute replacement, this could count. Another example is that, if gifts are stolen, you could have their value replaced. You can even insure in case for some reason you are sued as the result of your wedding (which can happen; you can be held liable for the actions of your guests in some cases).

Wedding insurance isn't fun to think about, but it's often fairly inexpensive and can give you some extra peace of mind. In the event of a catastrophe, you'll still have the resources to hold your wedding on another day.