You're probably asking yourself why you would need wedding insurance. Most of you are probably wondering if it's just a big con. But if you want protection - from venues to your wedding attire - then be safe and get insured.
On the average, weddings nowadays cost anywhere from $17000 to $30000. Imagine all that money and hard work goes down the drain just because you refused to shell out wedding insurance premiums. First of all, what does wedding insurance cover?
Just like any other insurance policy, wedding insurance will cover risks that might disrupt your wedding. This type of policy will cover loss or damage associated with your wedding and wedding plans. For example, plans exist that can cover loss or damage to your wedding dresses, presents, cake and even damage to your venue. Imagine what will happen if sudden rain ruined your perfect day. Most people use their credit cards in order to pay for their weddings. With wedding insurance, you can get some of your money back in case your presents or clothes get ruined by something unexpected like theft or robbery. You can also ask your insurer to cover for damages at the wedding reception should your guests get too rowdy and wreak havoc on the venue.
During weddings you will be mostly using suppliers to deliver favors, food and other related services. We all know that there is a possibility that these suppliers for reasons of their own might fail to deliver on the fated day. When you have a safety net like wedding insurance at least you are protected in some way and you will be able to get money back in case something goes wrong with these services. Your deposits can be reimbursed and you will be able to get the party moving by hiring other services. Some companies even cover for legal expenses, personal accident and even stress related therapy!
Some couples choose to have their weddings in beaches, out of the country resorts and even exotic locations. Weddings like these take on an additional risk and these can be covered by wedding travel insurance. They specialize in dealing with risks related to weddings that occur when couples choose these types of weddings.
Depending on the complexity and detail covered by your wedding insurer, canceled dates, rescheduling and even replacement of expensive items - like your wedding rings - can be covered by the policy you buy. This gives not only the bride and groom but the whole wedding party peace of mind before and during the whole wedding planning.
Don't let yourself be lulled into a false sense of security. Fact is a lot of mishaps, changes and problems can happen during a wedding. Some people think that wedding insurance is just an unwanted extra cost that insurers come up with in order to get more money from their clients. While it is unlikely that anything bad will happen during your wedding, wedding insurance is not that expensive, but it is an extra cost.
So step back and think out of the box. A wedding just like any other event in your life has risks and carries with it a number of potential headaches. The right thing to do is to get a reasonable coverage just in case these problems become a reality. Wedding insurance is an extra cost but that cost is negligible if the alternative is to pay for the whole wedding all over again.
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