If you are prepping for a wedding sometime in the not so distant future, one item to make room in your budget for would be. Sure, not a terribly stimulating aspect of your overall ceremony and reception, but if you really want to love your wedding day, this is the detail to focus on. Sure, it would more stimulating to focus on shopping for the perfect wedding dress, the best wedding DJ, or even the most awesome wedding venue, but if anything goes wrong with any of those previously listed items, it will all be a waste if your nuptials are not covered by some kind of wedding insurance.
Suppose you find the most amazing wedding dress. It fits you astonishingly well and only needs a few minor fixes. After going back to the dress store for some final tweaks you realize it's not fitting as well as it did on the first day you tried it on. That's okay because you have a many moons before the special day arrives. Besides, a lot can change with your body in a good 3 months. So, you leave the gown at the superstore and decide you'll go back for a final fitting about a month before your ceremony and reception. You direct your energies on all the other mountain of details you need to handle (one of them not wedding insurance, oops...) and stop distressing about the gown. 40 days before your wedding day, tragedy strikes.
Here comes the rain again. Your bridal boutique gets hit hard by the flooding rains sweeping into your neighborhood. 24 inches of muddy, nasty water in the storage room wet everything from mid thigh down. Your perfect pretty garment is now perfectly soaked, stained, and destroyed. Now you're wedding will be ruined, right? Perhaps you could try to hunt for a new dress, but most likely your heart will be broken and the new dress will be so much less than the original one. Sure, it's a long shot of destruction like this ever happening, but, then again, the south just recently got flooded out and if there are any bridal shops in Nashville, there'd be no surprise if there were a lot of disappointed brides throughout the town!
With a wedding insurance policy paid for and working, you would have some ways out available to you depending on what kind of coverage you put in place. The first choice might be to do just what was written up earlier, that is, search and search for the next unbelievable wedding dress. Your wedding insurance should cover this extra outflow of cash, as it is not going to be a million of dollars. If you can't seem to find a new dress, your next step may be to find a tailor that can repair your dress somehow. There have been a lot of technological steps up in the world of dry cleaning, and if you take your ruined wedding dress to different stores, you might be able to fix the damage.
A third option is this: A large number of dresses are one of a kind, but some are produced in the hundreds or even thousands. you can find an exact replacement and with a few changes, you'd still have your dream dress.
And finally, the most gigantic step would be to shelve your wedding day. You'd have to have a very good and comprehensive wedding insurance policy to be able to cancel everything and do it on a future date, but it has happened in the past and will happen again in the future. You may be able to reassign some deposits to your future wedding, but all that really matters is that you have the opportunity to try again. If it is a flash flood that wrecks your dress, usually the church and the wedding ballroom have been affected by the same miserable flood. For sure they will have some kind of wedding insurance to cover them. Will they be able to fix everything in time for your nuptials? If you've taken out a policy, it won't really matter for naught, because you'd be able to bide your time until they are ready again.
This narrative is fake, but as you can see, it's not that far gone. People spend so much money on this one special day. The typical cost across the country sits right at about $34,000. That is a huge investment. Protecting your investment should seem like the smartest move, but people are always looking to "stay under budget". Once a couple sets a budget, they do whatever they can to stay within that budget. Unfortunately, just about every piece of their wedding ends up costing them more than they thought, sometimes a lot more. It is a rare miracle if a particular thing comes in under the price they were expecting. There are wedding insurance policies for under or between $200 to $300 out there and perhaps it might not cover you enough to redo your whole wedding, it's better than rolling the dice and wishing that nothing bad will take place.
With the right policy in place, all your concerns can be palliated. Just the thought that you can have a retry of your wedding day should be enough to convince you that wedding insurance is just what the weatherman ordered.
No comments:
Post a Comment