How do you protect the investment you put on your wedding? Anything could happen and money could end up wasted should you end up postponing your wedding. With wedding liability insurance though, you could receive a reimbursement of your expenses and still proceed with the wedding as planned even if it has to happen on a later date.
What Does Your Wedding Insurance Cover?
The couple cannot control everything no matter how long or how well they plan their wedding day. That is why most couples today purchase buy wedding liability insurance. With such an insurance to protect them, they will receive a reimbursement for the expenses they could otherwise no longer recover.
So even if a storm happens and renders the reception venue inaccessible, the couple could still pick another venue with the reimbursement they would get from the wedding liability insurance. In addition to that it could also reimburse the amount wasted on the invitations, flowers, limo and so on. So again, they would still have the money for getting the wedding they have envisioned to have.
Another example would be if for some accidental reason the wedding gown gets ruined. The wedding liability insurance could reimburse the cost as well. This would provide the budget for another gown which could be as beautiful and as expensive as the first one.
If you are trying to include the reception venue in the coverage, make sure that it is not insured already. Paying for it again would only be wasting money. If it is already insured, you could get a cheap wedding insurance instead.
If the wedding gets postponed because a vendor does a no-show, the wedding insurance could also cover the expenses needed to push through with the wedding at a later date. Again the wedding would still come to fruition without the couple worrying where they would get that much money for the addition expenses.
Even if the reason for the postponement is due to the groom or the bride getting sick, the wedding liability insurance could also reimburse the expenses. Again, it really ensures that the wedding will push through without much financial burden on the couple.
Other wedding insurance could also cover for the restaging of the wedding in instances where the photographer fails to deliver the photos of the wedding. If the copies of the photos get stolen, damaged or lost, the wedding liability insurance can pay for the flowers, cake and other things needed to make the restaging of the wedding realistic in pictures.
How Much Do You Need to Spend on Wedding Liability Insurance?
A cheap wedding insurance could only cost $150. Other wedding liability insurance could run up to $550 as well. Getting a $185 wedding liability insurance could give you up to $1,000,000 of reimbursements though. This could be considered cheap wedding insurance considering the amount of protection you will get. To get a better coverage though, a bigger investment may also be required.
It is important to check what instances are covered by your wedding insurance. Even if your wedding rings are covered, engagement rings are definitely not. The wedding liability insurance won't cover for a cancellation simply because the parties changed their minds either.
The choice is really yours whether to get cheap wedding insurance or to get a comprehensive one. While more coverage entails more costs, it also entails more protection.
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