We get it — planning a wedding is stressful. While there are a lot of things you can control, like your menu or flowers, a lot of things can also take you by surprise — like inclement weather or a vendor going out of business. Luckily, wedding insurance can help alleviate some of the stress of the wedding planning process and protect your investment. Here are some insights about why you should consider this optional insurance coverage, along with information about what it offers.
What Does Wedding Insurance Cover?
Basically, a Wedding Insurance policy protects your investment from circumstances beyond your control and can reimburse expenses you’ve incurred if things don’t go as planned. For example — what if your reception venue goes out of business, you lose your deposit, and you have to find another location? For a very small premium, wedding insurance can protect your investment and your important day. It can cover a variety of situations, such as:
Wedding Attire: You can get repair or replacement cost if the bride’s wedding gown or groom’s tuxedo is lost or damaged.
Lost Deposits: Reimbursement of your deposit if a vendor goes out of business or declares bankruptcy before the wedding, or simply fails to show up.
Lost Rings: Receive repair or replacement cost if the bride or groom wedding bands are lost or damaged.
Severe Weather: If severe weather (e.g. a hurricane) forces you to postpone your wedding, receive reimbursement for non-recoverable expenses.
Transportation Shutdowns: If a commercial transportation shutdown prevents the bride, groom or their parents from getting to the wedding and the event has to be postponed, receive reimbursement for non-recoverable expenses.
Call to Duty: If the bride or groom is unexpectedly called to active duty, or has his or her military service leave revoked forcing you to postpone the event, receive reimbursement for non-recoverable expenses.
Damaged Gifts: Repair 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, receive reimbursement for non-recoverable expenses.
How To Get Wedding Insurance
You found the perfect person and now it’s time to celebrate your life together. Talk to your independent insurance agent to learn more and to purchase this insurance coverage — we recommend doing it sooner rather than later, especially considering how long the wedding planning process can take. And don’t forget to ask them about insuring your engagement ring!
Every insurance policy and every wedding scenario is different. Be sure to talk to your Cushman insurance agent — we’ll make sure you are fully protected and that you completely understand the details of your policy: https://bit.ly/2QO5jBc