Monday, February 11, 2008

Do You Need Wedding Insurance?

That's a good question.

It’s never a bad idea to protect your investments but bad things happening at or to your wedding isn’t something we really want to think about. The reality is that you are putting together a rather complex event; the more complex the more chances that something could go wrong.

By go wrong I mean it could be anything from the best man losing the rings to a sudden illness. Just last week I saw a news story featuring a couple whose house and wedding venue had been destroyed in the tornados that ravaged parts of Tennessee. As they interviewed this poor thing amid the rubble that had been the couple’s home she told the reporter that her one wish was to find her wedding gown so she didn’t have to try and replace the one she loved so much. My heart just broke for them. I feel certain that they had their house insured but what about their wedding?

It really doesn’t matter what you are spending on your wedding, to you it is a large investment. The policies that I have checked out are not terribly expensive for the peace of mind they buy.

Something else you may need to know is that more and more wedding venues are requiring couples to carry liability insurance on their event. Hey we live in some pretty litigious times; they have to protect themselves too. You will get a better rate if you bundle that with your core wedding insurance.

Speaking of bundling; check with your regular insurance carrier to see if they have a policy to meet your needs. I know that Travelers Insurance offers it. If you already have coverage on your home or car from them I think this would bundle with that for a better rate.

If you are planning a destination wedding, don’t even think about passing on the insurance. The policy I looked at even covered transportation shutdowns; you know like canceled flights due to a blizzard or hurricane.

It is something you should think about.

Photo by Michael Hodge

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