Wedding Liability Insurance - Should You Include Insurance As Part of Your Budget

Your wedding day will be one of the most important days of your life. The last thing you want is anything to ruin your big day of your life. Plus many spend thousands of dollars on their special day. More brides-to-be are starting purchase wedding liability insurance. The cost of the premium can begin at $100 and can go up to $1000 dollars. Couples can now take out an insurance policy to protect their financial investment.

How to Choose the Best Wedding Insurance

In order to get the right package, you have to make sure you ask specific questions about the type of coverage you’re interesting in buying.

• What will it cover or not cover. Have a list prepared.
• What items may be important to you: wedding cake, flowers, or honeymoon.
• Limitations for honeymoon travelling. If you decide to go on your honeymoon at a later date you want to make sure it’s covered.

If you are planning on serving alcohol at your reception the wedding liability insurance will not cover this. This is a separate package. You want to make sure this type of cover is included in the rental fees where you’re holding your reception. For those who are hosting their own wedding, make sure to inquire about local laws concerning alcohol liability insurance requirements.

What’s Covered?

• Postponement of your wedding could be caused by a death in the family or any other unforeseen incident. Wedding liability insurance can be implemented to cover those non-refundable deposits placed on your venue, reception location, and others.
• Injury during the wedding ceremony or while someone dancing at your reception.
• Loss of non-refundable deposits (i.e., no show of the person performing the wedding).
• Bodily injury or property damage – optional coverage for medical payments.
• Photography Insurance – optional coverage for photographer is a no show or accidental damage to photo negatives.
• Wedding gifts – lost or damage.
• Wedding Attire and rental items – optional coverage.
• Lost Rings.

More Expensive Coverage Includes:

• Unforeseen unemployment.
• Inclement weather closing airports and preventing your guests from arriving.
• Counseling, if a ruined wedding day causes emotional distress to the bride or groom

What’s Not Covered?

• For any reason the bride or the groom calls off the wedding.
• If your wedding cake arrives and it has the wrong color frosting, the band doesn’t play the correct music. Your wedding liability insurance cover will not cover this.
• It will not cover postponement for bad weather, if your wedding is being held outside. You have a backup plan for outdoor weddings.

Overall, this is your big day and you should consider purchasing wedding liability insurance. Especially if you have a wedding budget that is over $10,000. As a bride you already have a lot on your mind by getting such a policy this could relive you of a lot of stress and heart ache. You must remember anything could go wrong, so be prepare with wedding liability insurance.

Why Not An Eco-Friendly Wedding