Heres what wedding insurance is

Sorry its pretty long


What is Wedding Insurance?


A wedding insurance policy is designed to protect you from financial loss in the event one of the major elements of your wedding covered under the policy is lost or damaged prior to your event, to reimburse you for a deposit made to a vendor who goes out of business before performing contracted services and to cover rescheduling costs if your wedding must be cancelled or postponed due to various circumstances beyond your control. Wedding insurance includes specific coverage for your wedding photography and video, bridal gown and attendant clothing, wedding rings and gifts, and will respond for a cancellation or postponement resulting from causes ranging from such common concerns as adverse weather and illness to lesser thought of events such as unemployment, damage to your venue, military deployment and, in many cases, terrorist acts. Whatever your situation, there is a wedding insurance policy that is suitable for your needs.



What Is Covered?*


• Weather. If the policy is purchased more than 14 days before the wedding and adverse weather prevents the celebration from taking place or a majority of your guests from attending, the costs of rescheduling the event are covered. Be aware that dark skies and light rainfall alone won't qualify as reason enough to cancel your wedding.


• Key People. If people crucial to the wedding are unable to attend due to illness or injury, the cost of postponing the event is covered. This also holds true if the officiant fails to appear on your wedding day.


• Military or Job. If the wedding must be postponed due to the bride or groom in the military having their leave withdrawn, or a last minute corporate move suddenly relocates the wedding couple to another city, the policy will respond to cover the costs of rescheduling the wedding and reception.


• Photographs & Video. If your photographer fails to show, if the film used for your photos is defective, or if the negatives are lost, destroyed, or improperly developed, this coverage allows you to reunite the wedding party for a re-shoot to capture your wedding memories.


• Gifts. This coverage is designed to protect you against the theft, damage or loss of your wedding gifts.


• Wedding Attire. If your wedding gown or the attire of the groom or one of your attendants is lost or damaged, this coverage will provide for repair or replacement.


• Rings. This coverage is designed to replace a wedding ring (not engagement ring) that is lost or stolen prior to your wedding day.


• Loss of Deposits. If one of your vendors goes bankrupt or ceases doing business, this coverage will respond to reimburse you for any deposits you may lose as a result.



Cost And Purchasing.


The cost of wedding insurance starts at only $155 for $7,500 of cancellation/postponement coverage, with higher limits and additional coverages are available with only moderate increases in the premium. The policy premium is a one-time only payment.



One Last Thing.


Wedding insurance does not cover you for 'change of heart.' So, if either the bride or groom voluntarily decides not to go through with the wedding, the people footing the bill will be out of pocket.



Some “Real Life Couples” Helped By Wedding Insurance


The couples' wedding that was postponed to a future date because the groom was rushed to the hospital with appendicitis.
The bride who arrived to pick up her dress at the bridal salon only to find a 'Bankruptcy' sign plastered across the window.
The couple whose garden wedding was canceled when a September hurricane blew in.
The couple whose caterer went to a tropical island with the deposit money and never returned.
The couple whose wedding gifts were stolen from the reception hall while the wedding ceremony was taking place.
The couple who had to postpone their wedding due to the unexpected military deployment of the groom.
As you prepare for your wedding, you've no doubt made non-refundable deposits and signed contracts with service providers for such things as the reception location, the flowers, the catering and so on. These contracts protect your vendors, so it is important that you learn how you can protect yourself. With proper wedding insurance coverage you can safeguard your wedding investment and ensure your dream wedding is realized.

Re: Heres what wedding insurance is

Thanks for the explanation!!!