Should You Get Wedding Insurance?

Should You Get Wedding Insurance?

Wedding season has arrived! Brides and grooms are dreaming about their perfect day. However have they thought about what could possibly go wrong? Unfortunately unwanted misfortunes can happen on your special day and you want to make sure you are prepared. Here are some possible scenarios from
• Janet and Dan spend months planning their winter wedding. But on the wedding day, their reception site is made inaccessible by an ice storm. With the right wedding insurance policy, the couple can postpone their wedding and receive every penny they lost (less the deductible)—including money for the invites, cake, catering, attire and non refundable deposits for ceremony musicians, a floral designer and other vendors.
• The bride’s father is injured in a car accident just before the wedding and cannot travel. If the couple has to postpone their wedding, with wedding insurance they could be paid back their expenses to enable them to have the wedding when the father recovers.
• Right before the ceremony, Brittany’s gown catches a gust of wind. Unfortunately, the tulle dances right over to the end of Uncle Howard’s cigar and the dress instantly goes up in flames. Fortunately, the right insurance policy covers the replacement of the veil and gown.

Having a wedding is a large event and there are a lot of moving pieces. From the florist and guests to the venue and weather, many things can arise. Fortunately, there is insurance available to help manage the risk and lessen the blow on your perfect day. Let’s face it things happen but at least you will enjoy the piece of mind knowing that you are covered if and when something happens.
Travelers Insurance released some interesting numbers early this month that listed the top CAUSES of wedding insurance claims. Take a look below:
Wedding claims– 44 percent involved vendors who were hired and didn’t deliver as promised
– 28 percent involved property damage to the venue that was related to the wedding (See how many wedding guests are misbehaving and being down-right destructive?)
– 8 percent resulted from sickness or injury to the bride or groom, or member of the wedding party, resulting in a postponement or cancellation.
– 6 percent of claims were things like unexpected military deployments and, get this, “problems with the bridal party attire.”

Wedding insurance runs anywhere from about $95 to more than $500 depending on the amount of coverage needed. Travelers Insurance recommends purchasing enough insurance to cover what you would lose in a worse-case scenario if the wedding needs to be cancelled or rescheduled for some reason. Just keep in mind that there is one thing insurance won’t cover, and that is cold feet. Our advice . . call SAVA Insurance Group today to see what plan is right for you. We want you to focus on your special day, and let us take care of the mishaps.

Photo by Ryan Paulsen Photography

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