Getting Wedding Insurance

Surely some of you have never heard of wedding insurance. Although you may scoff at the idea of insuring your wedding, it has some serious perks. If you purchase a short-term wedding insurance plan, you may save yourself a lot of grief if something goes wrong. And let’s face it, something will undoubtedly go wrong.

Types of Wedding Insurance
There are two types of wedding insurance. 1- Wedding Cancellation Insurance and 2- Wedding Liability Insurance.
Wedding Cancellation Insurance covers your wedding if it has to be cancelled because of bad weather, the officiant doesn’t show up, etc. Your deposit, wedding attire, photographer, and more will be covered under this plan.
Wedding Liability Insurance covers your wedding in case of injury or property damage. This is the more common type of wedding insurance when venues ask for an insurance requirement.

When To Purchase The Insurance?
If you are interested in purchasing wedding insurance, you should do so as soon as you start shopping for dresses and venues. There are some companies that will not allow you to buy a policy until 24 months before the wedding. Others will allow you to purchase the insurance policy up to 15 days prior to the wedding date. Just like any other insurance policy, shop around until you find one that best fits your price and your needs. Similar to most insurance policies, you can even purchase a policy online.

What Do Policies Usually Cover?
Not all policies are the same. Read over the policy before signing it to make sure the items you need covered are included.

Here are the most common items:
• Weather
• Illness/Injury
• Missing Officiant
• Missing Vendors
• Location

Other riders:
• Military Service
• Gowns and Tuxedos
• Gifts
• Liability
• Honeymoon

Usually not covered:
• Cancellation due to cold feet
• Cancellation due to something you knew prior to taking out the policy

Destination Weddings
Wedding insurance is highly recommended to those having destination weddings. Although most people trust their travel’s insurance will cover the cost, you can’t completely rely on this especially when weddings are so costly. If you are unfamiliar with the country and the vendors, wedding insurance might help you breathe a little easier.

To Purchase or Not Purchase
Most couples will find it laughable to take out a wedding insurance. Often times, couples are under tight financial wedding budgets. They do not want to make the extra expense. Considering that weddings cost thousands of dollars, their money would otherwise not be recovered if something unthinkable happens. You might find that it is a great peace of mind to have a security blanket that you will not be out thousands of dollars should a tragedy occur.

Why Hire A Wedding Planner?

With so many chores to do when planning a wedding, it is tempting to hire a professional wedding planner. After all, this is your wedding, and you want it to be the most amazing day of your life. This isn’t an easy experience. Why not solicit the help of someone who does this for a living to alleviate the pressure? Hiring a professional wedding planner will come with a price. Before you run to the nearest professional wedding planner, take a good look at the collection of duties needed in order to pull off a successful, beautiful wedding.

Church weddings entail several elements. You will be required to provide baptism certificates, choose between confetti and biodegradable rice. Then you must think about sitting your guests- ushers, bridesmaids, best men, music, hairstyles, flower girls, wardrobe, and rings. Don’t forget the wedding vows, and all the rehearsals. If you are having a non-traditional wedding setting, there are other factors to consider.

For the reception, you must find the right venue and the right caterer. You must also plan the menu, the bar, the service, flowers, favors, and the wedding reception activities. All the while, you hope that everything comes out smoothly. Don’t forget the wedding cake and arranging delivery.

There are so many wedding photographers and videographers to choose from. Also think of transportation for the marrying couple and those visiting. You will also need to choose wedding invitations and figure out how to properly word them. Who are you going to invite? Where are the people from out of town going to stay?

Take a deep breath. Are you getting stressed out yet? And this is only the tip of the iceberg. It is no wonder why people choose destination weddings as they are easier to plan and much, much cheaper. They are so appealing for many couples, desiring a less stressful and less traditional location.

The only thing that might be holding you back in hiring a wedding planner is your wedding budget. Take a good look at your budget and see if there is any room for adjustments. Consider that a professional wedding planner knows where to get the best deals. Look on wedding boards and ask newlywed brides what type of savings they were able to get via their wedding planner. Without a person like this, things can get overwhelming very fast. You don’t want to create a nightmare situation on your special day. A wedding planner will hold your hand through thick and thin during these stressful times. If you opt to do it yourself, you can delegate responsibilities to your friends. This is supposed to be the most memorable day of your life. Relax and enjoy the best day of your life!