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Wedding Insurance Coverage: What Does It Cover?

ReceptionVenue-ChampionshipCatering

Wedding Insurance should cover your venue.
(Photo credit: Championship Catering on flickr.com)

A wedding insurance policy covers a variety of situations.  Every policy is different.  If you’re not quite sure if the problem you’re thinking of will be covered, the rule of thumb is to look at the insurance policy itself.  Here are some of the things that you might want your wedding insurance to cover:

Clothing.
You don’t want to walk down the aisle in anything less than your dream gown, do you? If anything goes wrong and your wedding gown or your groom’s tuxedo is either lost or damaged, the insurance can cover it.

Rings. If the bands, a symbol of your eternal affection for each other, get lost or damaged, the insurance policy should be able to cover it.

Deposits. In this rough economy, you never know if businesses will still be around for the next few months. If you happened to deposit money in a vendor (such as a venue or photographer) that suddenly closes down or declares bankruptcy, you can look to your insurance for reimbursement.

Weather Conditions. If severe and inclement weather strikes on your wedding day and you have no other choice but to postpone the wedding, the insurance can provide for the non-recoverable expenses.

Call To Duty. If either of the couple is in active service and suddenly gets called back to duty or has the service leave revoked, the wedding will have to be postponed. The insurance, however, can reimburse the expenses and simply have the celebration rescheduled on a later date.

Gifts. More than just being material things, they represent the love and affection of your loved ones. If the wedding gifts get lost or damaged, the insurance will have them replaced or repaired.

Photos. Once the celebration is over, the wedding photos serve as a lasting reminder of the happiest day of your lives. If for one reason or another the photos get damaged or ruined, the insurance can cover the expenses for reshooting among other necessary restorations.

These are just some of the more popular items covered by wedding insurance.  You will need to check with the specific wedding insurance companies to see everything that they cover.

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For more information about wedding insurance, check out these other articles here at Wedding Brook:

 

 

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