Wedding Insurance: What Wedding Insurance Typically Covers

Wedding Insurance

A wedding insurance is acquired to protect the couple, hosts and guest at the wedding ceremony. It is a growing industry and covers many aspect of the wedding ceremony that can make the couple incur costs. For a small amount of money, you can protect yourself against many forms of liabilities that can occur during and after your wedding ceremony.

Your wedding insurance can protect against disappointments. If your caterer refuses to prepare the food, your band fails to show up or your florist presents the wrong decoration, you are covered. For the premium you pay will entitle you to a substitute for whatever service you have missed even if it means substituting it a higher cost. It particularly protects you against instances where you can not recover your deposits paid to service providers like wedding planners, photographers or car rental companies.

You can get hurt during the wedding ceremony. The wedding hall or the reception venue can pose some injury to you. The insurance covers these kinds of accidents. Many people have argued that venues have insurance on their own but it is advisable to complement that with your specially arranged insurance so that in the event that the policy of the venue owner does not suffice, you can add up.

Aside the rental company refusing to honor its obligations, you can also get hurt in the course of being transported to and from the wedding venue. You may already have a motor insurance and the rental company would necessarily have one as well but it pays to have extra coverage on that day.

So these are what wedding insurance cover. They are extra protection you can take to avoid embarrassment and safeguard the investment, time and effort you have put into your wedding ceremony.

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Wedding Insurance: What Is Wedding Insurance and Do I Need It?

Wedding Insurance

What wedding insurance is, is just what it sounds like-a policy that will protect you from any type of misfortune or mishap that may occur. More brides and grooms are purchasing a wedding insurance policy and they are fairly inexpensive to buy. A policy can cost anywhere from $100 to $500 and can give you or the person paying for the wedding and reception peace of mind should any emergency situation arise.

Is Having Wedding Insurance a Good Idea?

Whether you choose to purchase a wedding insurance policy or not is a very personal decision. This will impact your budget, but it will protect you financially against any type of unforeseen disasters or accidents that may happen. A wedding is a costly venture, averaging about $25,000 or more in the United States. If you bought a new car for that amount of money, you wouldn’t think of purchasing one without an insurance policy to protect your financial investment.

What Types of Wedding Insurance Policies are There?

Not everyone has such a big and expensive wedding, others choose a smaller, more intimate affair. You can certainly forgo purchasing an expensive wedding insurance policy and opt for a less expensive policy that will cover a smaller event or you can buy insurance for specific risks such as losing luggage if you are traveling to a destination wedding.

What Will the Policy Typically Cover?

Weather may be the reason your event had to be postponed. Your policy will cover the costs of rescheduling if weather, such as a flood, hurricane or blizzard interferes with your wedding day. If you or your spouse was to become ill or get injured and your wedding needed to be postponed because of that, your policy should cover that situation too. Sometimes the minister or the officiate of the wedding will fail to show up, and often wedding insurance policies will help to recoup any losses that may have incurred because of this happening.

There are other riders you can buy for your special circumstances such as if the bride or groom are in the military and they are called to active service. You can also add a rider for the cost of any damages to your wedding dress or the groom’s tuxedo including protection against one of the companies going out of business.

Deciding if wedding insurance is for you is something you and your intended need to discuss before making plans for your wedding day. It can make the difference between a bride who is relaxed and protected and one who is constantly worrying about things going wrong.

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Wedding Insurance: Is It Really A Must Have For Your Big Day

Wedding Insurance

If you have recently become engaged or currently planning the wedding of your dreams, you should see if wedding insurance is right for you. Wedding insurance is a well-established product in Great Britain, but it's been available in the United States for only about a decade. Wedding insurance is not for everyone, but experts admit it does have its place. Wedding Insurance is here to help you take the stress out of the weeks and months leading up to your memorable day.

Wedding insurance is generally offered in pre-set packages or can be designed by couples on their own however is one of those purchases that many couples don't think about because they don't believe they will need it. It's not romantic, but wedding insurance is definitely a good idea. As a result, wedding insurance is starting to take its place alongside white dresses, tiered cakes and thrown bouquets.

However, wedding insurance is unable to provide cover for the bride or groom getting cold feet.

Wedding insurance is one of the most important aspects of your Wedding Day and is there to cover the cost of any disasters that may occur, and many have found it of real help. The decision to purchase wedding insurance is a no-brainer when it comes to your wedding. Unfortunately, however carefully you plan, things can and do go wrong, which is why wedding insurance is vital. Wedding insurance is quite an uninteresting topic when compared to all of the other things you need to plan for the big day, however it should be considered seriously and placed well towards the top of your "things to do" wedding plan list.

You should purchase wedding insurance as soon as you start putting down deposits on your wedding dress, reserving your reception venue, etc. Your wedding is an important and expensive event, and that is why more and more people are now choosing Wedding Insurance cover.

It may not be the icing on the cake to the wedding of your dreams, but good wedding insurance could rescue it, at least. You should also bear in mind that wedding insurance will cover only a very limited period of time. Even the best-laid wedding plans can go awry for unexpected and unlucky reasons and wedding insurance gives you peace of mind at an affordable price leaving you to relax and enjoy the day.

Therefore we would strongly suggest that you consider Wedding Insurance that will reimburse you for the things that can go wrong. Insurance companies commonly sell wedding insurance that covers a wide variety of possible disasters. For example, wedding insurance is available that protects your deposits, wedding attire in case of damage, wedding photos (should they not turn out), etc. One of the most common reasons for claiming against a wedding insurance plan is redundancy, with people who have lost their job having to cancel a reception.

Wedding insurance is available in many different plans and at many different expense levels. When you consider how inexpensive wedding insurance is, it's surprising that more people don't take advantage of the protection it offers. Wedding insurance is a service designed to protect your investment throughout the planning process, and the event itself.

Although we hope you won't have to use it, for a relatively small amount of money, wedding insurance is a very wise investment, and what's more you can request a quote and buy your insurance online in just a few minutes.

Copyright 2006 Terry Till

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Wedding Insurance: Why Do I Need Wedding Insurance?

Wedding Insurance

It is no secret that the cost of holding a wedding continues to increase each year. With the costs for weddings now reaching into the tens of thousands of dollars, it is no wonder that the concept of wedding insurance has come about. But do you really need to have this type of insurance? Actually, it can be a very smart purchase. Here are some examples of when having insurance for your wedding can make a big difference.

There seems to be a train of thought that believes inclement weather automatically means you can reschedule use of facilities at no cost. That is very rarely the case. Many contract allowing you the use of reception halls, country clubs, and other facilities stipulate that the owner is not responsible for weather preventing the event from being held. That means you can be out every penny that you spent paying for the use of the space. Insurance would allow you to recoup those expenses.

While it would be great if all vendors lived up to their promises, the fact is many a wedding has been marred by the failure of a florist to come through with the flowers or the dresses for the bridesmaids not showing up in time. Wedding insurance can allow you to recover the costs of those services that you paid for but were never provided.

There have been instances when a wedding had to be postponed because of sudden illness of a bride or groom, or one of the primary parties being stranded with no way to get to the wedding. Once again, insurance can help offset some of the expenses involved with rescheduling an event at the last minute, instead of the wedding costs suddenly doubling or worse.

Given that we are used to obtaining insurance for most major purchases we make, it only seems prudent to insure an event that may cost us more than some people earn in a year. With the purchase of wedding insurance, you have the peace of mind that is something major goes wrong with the event, you will not be left holding the financial bag.

Mayoor Patel is the writer for the website http://www.weddings.wares-are.us/.

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Wedding Insurance: Finding Wedding Insurance Deals Online

Wedding Insurance

If your big day is fast approaching and as with most people you are planning on spending a large chunk of money on your marriage ceremony then it would be foolish to not consider investing in cover in the form of Insurance.

Wedding Insurance Explained

In simple terms there are a lot of costs involved in most people's wedding these can and do into many thousands, a lot of money by most people's standards. In the same that you would not buy an expensive piece of jewelry or car without considering insurance you should view your wedding arrangements in the same way.

Wedding insurance generally covers a number of unforeseen eventualities including: Loss or damage of non refundable deposits following an unforeseen cancellation and postponement for a multitude of reasons. A scenario could be that the reception hall you have booked has been damaged or closed for some unforeseen event prior to your wedding, wedding insurance can cover you for the cost of an alternative venue. Another area usually covered by wedding insurance policies is wedding and personal liability insurance for you and your guests in the event of an accident or injury during your wedding or subsequent reception. There are a multitude of eventualities that wedding insurance may cover and it is well worth doing some research into what alternative policies may offer you.

It is often stated that many couples biggest fear is what could go wrong at their wedding it is therefore a good idea to alleviate that fear with adequate cover for any reasonable event. The peace of mind that knowing no matter what may occur your costs will not increase further for what is already a very expensive and special occasion will easily outweigh the extra cost of wedding insurance cover.

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Wedding Insurance: Information About Wedding Insurance

Wedding Insurance

When you go to your first bridal show, there may be a booth there that you hadn't anticipated: the wedding insurance company. Many brides wonder whether the protection is worth the cost.

Wedding policies aren't expensive - generally under $500 for even a large wedding and sometimes significantly less expensive. The wedding insurance policy protects you against both misfortune and mishap.

Wedding insurance policies typically cover weather, illness or injury, or a missing officiant, vender, or venues.

If your wedding is impacted by weather (ie. an outdoor ceremony cancelled because of rain), the insurance will cover rescheduling the entire affair. This would also kick in if there was a major snowstorm and there is no reasonable expectation that guests could get to the venue.

If any of the essential people in the wedding party are sick or get injured, the wedding can be rescheduled as well. Check the policy for who is defined as an "essential person.

You can't have a ceremony without an officiant. So if your pastor doesn't show, and the whole thing has to be rescheduled, you are covered. This also holds true for key vender. If your florist goes out of business just days before the wedding, you may have to cancel and start from scratch. With insurance, you are not left holding the bag for the whole wedding

Similarly, if your church burns down the evening before the wedding, you can reschedule.

There are also additional riders you can buy on top of the base policy described above.

If you or your groom are in the military or reserves, you may want to consider a Military Service Rider which covers the expenses of the wedding if you have to cancel as a result of one of you being called up to active duty.

You may want a Gown and Tuxedo rider if you think these stores may go out of business.

If your homeowners insurance does not cover theft of gifts from the wedding venue, consider a Gift rider.

Check with the church and reception hall about their liability insurance. If you're not certain that it fully protects you, purchase a wedding liability insurance rider. You don't want your third cousin's date to get drunk, fall down the stairs, and sue you for your entire net worth.

Finally, you might want to consider honeymoon insurance. This is a form of traveler's insurance that protects you if you must cancel the honeymoon.

You should know that the insurance only protects you for something you didn't already know and which is not in your control. Specifically, getting cold feet is NOT covered by the insurance policy.

Taking out the proper insurance for a wedding is a cheap investment on what is usually a big ticket item. Before you reject the idea of insurance, consider whether the person paying for the wedding would be willing to fork out a second set of money if the wedding had to be scheduled a second time.

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Wedding Insurance: What is That?

Wedding Insurance

For some people wedding insurance may sound weird. But understand that you are spending a large amount of money on your wedding and in one way or the other you have to protect the money you have invested. Wedding insurance will cover all the costs of your wedding and the money you have spent will return to your pockets when some mishap occurs. Everybody hopes that their wedding will proceed well but you have to be ready to face the unforeseen circumstances. You don't want to waste your money for a plan that never worked out. Rather with insurance, you can get your money back or arrange for an alternate solution.

It is not that you have to spend a large amount of money for wedding insurance. Depending on the coverage you desire, you have to pay the insurance premium. The basic policies which cover postponement activities will cots you just around $200. With wedding insurance, you can ensure that all problems on your wedding will be taken care of. Taking appropriate wedding insurance will let you get ready even for the negative effects.

Weather, illness, injury, missing vender are covered by the basic policies. If the location you chose for your wedding is affected by natural calamities, then you will not be able to arrange your wedding at that place. You need to plan for a new place and this relocation cost will be covered by the wedding insurance. If the pastor who preside the wedding ceremony does not turn up on the correct timings, don't panic if you have wedding insurance.

You can also arrange for insurance for your wedding reception. Wedding arrangements will be taken care of by the hired venders but if any one of them does not perform well, then you will have problem during your reception. When you have your insurance, then you can make arrangements for another vender to proceed with the function. If you are investing a lot of money in your wedding, then you can also insure bridal gifts and wedding dress.

Only thing that is not covered by any wedding insurance policy is the run away of the bride or the groom. All the other things can be insured and you can even get money when your wedding dress is spoiled by some unforeseen trauma. Planning a wedding is quite a serious issue and you should ensure that you are obtaining insurance for your wedding. When you have this, you are assured that you will get your money back in case of any alteration in your wedding plan.

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Wedding Insurance: Is There Any Travel Insurance For A Wedding Dress?

Wedding Insurance

It's a no-brainer to say that a wedding is a major investment. In the United States, the average cost of it is in the tens of thousands. Weddings are the culmination of years of love, trust and lots of savings, with families laying their hearts and bank accounts on the line. Given the expense and extravagance and the dozens of factors that put a wedding at risk -tropical storms, illnesses, deaths, caterers and dress shops that go bankrupt and cold feet (to name a few), it should come as no surprise that more and more families are purchasing insurance.

Wedding insurance is a type of insurance that covers the numerous potential disasters surrounding a wedding (depending on which plan you buy), and puts those who lay out massive sums of money for the celebration at a reduced financial risk.

It might surprise you that the number one most common wedding insurance claim occurs when a bridal shop suddenly goes bankrupt and the bride is out a dress. Since the dress is such an integral and fragile part of it, it is often a key point of concern for those who buy wedding insurance.

People who travel for their weddings might be considering travel insurance and wondering if the dress is covered. The answer to that question depends on the parameters of a traveler's insurance policy. Traveler's insurance is different from wedding insurance, and a traveler's insurance policy will likely cover your possessions as you travel -i.e., the dress. However, that is not guaranteed. If you choose to purchase traveler's insurance for your wedding, go over the policy with the salesperson and be sure the dress is covered.

Many wedding insurance plans extend their coverage throughout the United States and offer additional travel insurance. If you are planning a destination, then I recommend purchasing a wedding insurance policy that contains provisions for travel.

These kinds of insurance policies typically cost no more that 1,000 dollars. For a wedding that's around or above the average cost of 27,000 dollars, that's a huge bargain. In addition to covering a damaged or misplaced dress, most insurance policies will cover broken or lost gifts, damaged photographs or videos, deadbeat caterers, or in some instances a change of heart in the bride or groom.

All in all, I would say travel insurance and/or wedding insurance is a fairly good investment. I'd hate to see someone I love have their wedding marred or ruined by unfortunate circumstances. And I'd hate it even more if I was footing the bill for a celebration that went awry and had to be re-scheduled. In recent times we've seen incredible disasters like the 9/11 terrorist attacks, hurricane Katrina and the massive tsunami. All of these horrific events took place in locations where one might want to hold a destination wedding, which should be a stark reminder of why it is so critical to cover your bases and get traveler's and wedding insurance.

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