What You Should Know About Wedding Insurance

Although no potential bride or groom wants to think about something ruining their wedding day, emergencies and disasters can and do happen and are out of our control. Wedding insurance can give you peace of mind and protect you from the unexpected, but is it worth the added cost? Here are some facts for you and your betrothed to consider when deciding whether to obtain wedding insurance.

What is wedding insurance?
A wedding insurance policy protects a couple who is getting married against unforeseen circumstances and reimburses them for any expenses incurred.

Is wedding insurance expensive?
The cost for this type of event insurance can vary widely from company to company. The cost will also depend on what sort of coverage you get, and what is exactly covered under your particular policy.

Basic policies that cover loss of photos, attire, gifts, food, rings and deposits for vendors can generally range from around $150 - $550. Personal liability covering up to $1,000 for accidents or injury usually ends up being a little under $200.

What are the basics covered under wedding insurance?
As widely as costs vary for wedding insurance, coverage can as well, so be sure to do your research and choose a policy that best suits your individual needs. Some typical things covered are circumstances due to weather or with your ceremony or reception sites, as well as injury or illness and problems with vendors.

What are some scenarios where wedding insurance would be helpful?
If in the unfortunate event a member of the bridal party or a family member is injured prior to the big day, wedding insurance will allow you to postpone until everyone is able to attend and still recoup your losses.

Say, for instance, your reception site goes up in flames the week before your wedding and is completely destroyed. With wedding insurance, you'd be able to get your deposit back and book another location.

A winter wedding must be postponed due to an incredible ice storm that 's paralyzed the airports and highways, making it impossible for the wedding party, let alone the guests, to arrive safely. With the right type of policy, the losses from postponing can be recouped minus the deductible.

If the bride or groom are a member of the military and get suddenly gets called to duty, wedding insurance would cover the cost of delaying the event. This could also apply to corporate moves such as the groom 's company relocating him across country at a moment 's notice.

What are the key points to consider when deciding on wedding insurance?

- Keep in mind that prices vary and so does the coverage. Make sure you completely understand what you're getting before you sign.

- Be sure that any vendors you use, such as the caterer or reception site, aren't already insured to avoid paying for overlapping coverage and thus wasting money.

- The sooner you make the decision to get wedding insurance the better. Some companies, however, have limitations as to how early you can purchase a policy while others encourage obtaining insurance about a year ahead of the event.

About the Author

Visit our Modern wedding wedding planning website with competitive prices on all wedding products and wedding insurance available to order securely online.

Article Source: Content for Reprint

Wedding Insurance - Reduce the Stress & Worry Over Planning Your Wedding

It's finally here... he proposed! She accepted! Or maybe the other way around! Regardless of who made the first move, there's a wedding to plan... decisions to be made, vendors to be booked, venues to choose... shopping to do... the mad preparation begins!

For many people, planning a wedding is probably much like embarking on a college education: there's a lot more to it than people think who haven't already been through it before. It's more than planning a party; there are some pretty serious emotions involved -- all around. It can be highly stressful at times. There are ways, however, to mitigate this stress and make this a happy time.

If you want to bypass most of this stress altogether, consider hiring a professional wedding coordinator to do all the legwork for you and even absorb much of the logistical stress on the big day itself. A competent coordinator will orchestrate the entire event for you, for a percentage of your total wedding budget. Before you balk at the idea of adding yet another cost onto everything else that must be paid for, realize that professional wedding planners often actually save the couple money by knowing how to get certain services for a much lower cost than the general public would pay for the same thing. And since the wedding coordinator's fee is a percentage of the budget you've already set, you won't actually be adding another cost. Considering how much work you will be saved, hiring a coordinator may be something that's well worth looking into.

Whether you hire a professional coordinator or organize the wedding all by yourself, there are many additional ways to minimize stress. One consideration is event insurance, just in case anything should go wrong. Wedding event insurance is quite comprehensive and can cover a wide range of possible disasters. According to one source, the top five reported claims include:

* damaged wedding attire
* having to re-take the wedding photographs
* having to cancel the wedding due to an illness or bereavement
* caterers not showing up
* loss of wedding rings

While it's never desirable to have to actually use insurance and file a claim, it's a good thing to have the policy in place nonetheless. This is the first day of the rest of your married life, and you want it to be as perfect as possible. Whatever you do, don't allow little mistakes or omissions to become calamities. It may not be understood by those who have not been through it, but on your wedding day, everything seems so much larger than life -- whether good or bad.

The last thing anyone wants is to have their wedding be remembered as a disaster, and with how much of an expense weddings can be these days, it only makes sense to have some form of insurance. After all, a wedding can cost as much as (or more than!) a down payment on a house, and you wouldn't buy a house without insurance, right? Right!

---

About the Author: Kathy Hildebrand is a professional writer who is easily bored with her "day job" assignments. So, she researches anything and everything of interest and starts writing.

More of her articles can be read at www.lasertargeted.com/weddinginsurance.

Wedding Insurance

by: Mary Jane Holmes

Did you know that you can get wedding Insurance? There are companies that will cover your losses, if a major catastrophe should occur. A wedding can cost more than a new car. You insure your car, why not your wedding? If a hurricane prevents your groom from flying in for the wedding, or the caterer goes out of business, and any number of other nightmarish events occur, you can recover the money you have paid out.

What is Wedding Insurance? Insuring your wedding is just like insuring your car, home or business. If the Reception hall burns to the ground the night before the wedding, insurance may help you to recover all of the money you have spent.

What is Covered? Insurance covers a number of things important to having the wedding of your dreams, such as weather, the key people, gowns, rings, gifts and any number of other items. Here are some things and situations that may be covered.

Cancellation costs - Any unforeseen event that forces you to cancel the wedding. A tornado destroys the church, or the photographer doesn’t show the bridal salon closes down before your dress is finished, all are situations, which can be covered by wedding insurance for having the wedding on another day, and for such expenses as flowers, the cake and invitations.

Vendors If vendors like the caterer don’t show up on the big day, insurance will cover the cost of changing the wedding date.

Illness or Injury You may be covered if the bride, groom, or anyone essential to the wedding is ill or injured and can not attend.

Wedding pictures and videos may be covered if your film is ruined or the photographer never arrives you may be reimbursed if you find another photographer or reschedule the wedding.

Clothes If the Tuxedo or wedding gown are inadvertently damaged beyond repair before the wedding, you can get replacements and your insurance will pay.

Gifts If any of your gifts are damaged or stolen you maybe covered,. Check your policy carefully. There may be a limit for making a claim, such as 7 days after the wedding.

Special Jewelry If your wedding rings are lost, damaged or stolen most companies will cover the insured values of the rings

Military Deployment if either the bride or groom are in the military and are on leave for the wedding and have their leave revoked, insurance may cover the the cost of postponing the wedding. However, if either of them are in the military and not on leave, and are deployed that is not covered.

The average cost of a wedding insurance policy is between $200.00 and $300.00. A real bargain when you consider that most weddings today cost upwards of $12,000. Before you buy insurance, gather all of your receipts, make copies, one for the insurance company so they have figures to work with. Give a copy to your parents to hold and if you have a safe deposit box, store the originals there, .in case you need to file a claim. Read the policy, and make sure you fully understand everything before you sign anything.

About The Author

Mary Jane Holmes can help you. Find out how thousands of people have been helped with the advice and information. Visit this link for details: http://www.the-wedding-dress-guide.com/wedding-dresses-for-sale.html.

Wedding Insurance - Say "I Do"

by: Sheilah Marshall

Many brides ask whether or not they should purchase wedding insurance. In my opinion the answer should be an unequivocal "Yes." According to TheWeddingReport.com the average cost of a wedding today is more than $26,000. That's more than some people pay for a car, and you wouldn't think of not insuring your brand new car, would you? It just makes sense, then, to purchase a wedding insurance policy that will cover many of your wedding costs if you need to postpone or cancel the ceremony and reception. This type of wedding insurance is crucial especially if your cost of rescheduling the wedding will be very high.

Many couples overlook wedding insurance when planning a wedding because they don't believe they will need it. After all, there is nothing romantic or exciting about wedding insurance and what could possibly go wrong. If you were to ask couples who had their wedding and reception planned in New Orleans before Hurricane Katrina hit, what advice do you think they would give you. Now a hurricane is an extreme weather condition, but wedding insurance provides coverage for just such a weather event. Wedding insurance, however, will not cover postponement of your wedding due to a rainy day.

Once you've selected your vendors and submitted your deposits, you have made a serious investment. Wedding insurance protects your investment throughtout the planning process, and the event itself. Consider these events that are covered in your wedding insurance policy.

*the caterer or your reception venue closes down unexpectedly before your wedding
*your wedding photographs are damaged or lost
*a family or wedding party member is injured or becomes ill or dies
*lost or stolen wedding rings*
*your wedding attire (if your dress is damaged or fails to arrive)

Sorry kids, you're out of luck if either of you gets cold feet. Changing your mind at the last minute is not covered by wedding insurance.

Just like any other type of insurance, you can purchase wedding insurance in a number of different policies. When compared to the cost of the event itself, wedding insurance is relatively inexpensive and as important to your special day as your bridal gown, cake and flowers. Whether you are having a destination wedding or a large wedding in your home town it is a good idea to purchase insurance for your wedding and a small price to pay for peace of mind.

Wedding Insurance - Say "I Do"

by Sheilah Marshall

Many brides ask whether or not they should purchase wedding insurance. In my opinion the answer should be an unequivocal "Yes." According to TheWeddingReport.com the average cost of a wedding today is more than $26,000. That's more than some people pay for a car, and you wouldn't think of not insuring your brand new car, would you? It just makes sense, then, to purchase a wedding insurance policy that will cover many of your wedding costs if you need to postpone or cancel the ceremony and reception. This type of wedding insurance is crucial especially if your cost of rescheduling the wedding will be very high.

Many couples overlook wedding insurance when planning a wedding because they don't believe they will need it. After all, there is nothing romantic or exciting about wedding insurance and what could possibly go wrong. If you were to ask couples who had their wedding and reception planned in New Orleans before Hurricane Katrina hit, what advice do you think they would give you. Now a hurricane is an extreme weather condition, but wedding insurance provides coverage for just such a weather event. Wedding insurance, however, will not cover postponement of your wedding due to a rainy day.

Once you've selected your vendors and submitted your deposits, you have made a serious investment. Wedding insurance protects your investment throughtout the planning process, and the event itself. Consider these events that are covered in your wedding insurance policy.

*the caterer or your reception venue closes down unexpectedly before your wedding
*your wedding photographs are damaged or lost
*a family or wedding party member is injured or becomes ill or dies
*lost or stolen wedding rings*
*your wedding attire (if your dress is damaged or fails to arrive)

Sorry kids, you're out of luck if either of you gets cold feet. Changing your mind at the last minute is not covered by wedding insurance.

Just like any other type of insurance, you can purchase wedding insurance in a number of different policies. When compared to the cost of the event itself, wedding insurance is relatively inexpensive and as important to your special day as your bridal gown, cake and flowers. Whether you are having a destination wedding or a large wedding in your home town it is a good idea to purchase insurance for your wedding and a small price to pay for peace of mind.