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.
Visit http://www.totally-weddings.com/ for tips, resources, gift ideas, shopping and more to help you plan your wedding day. Also find out how to Cheat Proof Your Marriage with our top selling Ebook.
http://www.totally-weddings.com/Cheat-Proof-Your-Marriage/
Article Source: http://EzineArticles.com/?expert=Chris_Hunter
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