Is Getting Wedding Insurance An Option
How important is it that you get wedding insurance? the best way to answer that question is to do a little soul searching to find out what your tolerance level really is. But keep this thought in mind: there is a chance you could lose many, many dollars without it! We’re talking thousands. Most newly engaged couples slave over planning thier wedding by putting in over 300 hours on this one day. The average amount couples spend on their wedding is about $34,000 dollars on average in 2010. So, here’s a little food for thought: Is there anything else in your life that you insure that costs you around $34,000? I’ll share a story with you at the end of this article that will show why getting insurance is a smart choice.
If you get insurance for your wedding, the following items are typically covered:
•Liability Insurance: Liability will take the blame off of you, kind of like no-fault insurance So, if Billy the drunk cousin decides he wants to climb up the wall and do a flip onto the dance floor and breaks his beak, he can’t sue you for it. Well, he can, but he’d lose. Most locations do provide some kind of liability insurance, so you might not need to foot the bill for this type of wedding insurance coverage. If it turns out your Aunt Cindy has a major heart condition, maybe two policies won’t hurt!
•Lost or damaged formal wear Insurance: If it turns out that the groom ends up being a total bum, you won’t be able to trade him in for a new one. Lost, stolen, or damaged wedding gowns would take first place. This was a surprise to me, since dudes are usually as dumb as a brick. I was sure “tuxedo left at the strip club the night before” would have been number one, LOL. Lost or damaged formal wear is most common claim made to wedding insurers.
•Change of heart Insurance: “I’m sorry honey, but I just can’t marry you.” Hearing those words 8 to 12 months before the nuptials would be manageable, but if those words are followed by these, “Now I’ll turn around and tell all of our friends and family here at our ceremony,” then you’ve got a problem! If you’re a runaway bride or a skittish groom, or perhaps you don’t realize this yet, then I have some good news for you. Fireman’s Fund will provide “change of heart” coverage depending on your circumstances. To qualify, a policy holder would need to prove that they were an innocent party and that they were the one victimized. What then happens is the bride’s parents will most likely be able to get their deposits and such back, thereby saving enough money or the next wedding–if they are crazy enough to let that happen again!
•Stolen or damaged wedding gifts: Just like the camera bags growing legs and walking out, so might your wedding gifts! I’ve heard that some thieves will dress in nice suits and/or dresses and some even snatch employee clothes before loading up your gifts onto a luggage cart, pretending to take them to your honeymoon suite. Even with the trend of wedding guests mailing your gifts to you, there’s always a chance they will get damaged in the mail. Rather than deal with the post office, going directly through your wedding insurance carrier should save you all the hassle and time in the world.
•Photography Insurance: From my experience, most photographers are at least adequate so you’ll end up with at least adequate photos. If your photographer is an artiste of unparalleled ability, it won’t matter one snapper if his digital flash cards get snatched. I was at one wedding where someone walked in during dinner and took three camera bags full of $15,000 worth of camera equipment (yes, those lenses are mega-pricey). This would have been okay if the photographer didn’t leave the flash cards in the bag! All the photos were lost, from the toasts and back through the first dance, grand entrance, post ceremony cocktail hour, recessional, vows…you get the picture. Most likely the photos will be fine, as long as they don’t grow legs and walk out! With wedding insurance, you can at least get everyone dressed up once again and fake your way through the day.
•Sudden death or illness: You just never know in this day and age. God forbid you, your future-to-be, a parent, etc. lose their life or ability to participate in the wedding day. It could turn one of the happiest days of your life into the most tragic. It would be so much better to have wedding insurance so you could reschedule to give yourself some time to cope and to recoup most of your losses.
•Existing Medical Conditions Insurance: Having some kind of preexisting condition, you may have a difficult time finding a policy that will cover you and wedding. Then again, if your grandmother has a stroke and you have to postpone everything until she gets her marbles back, then you should be covered. If you happen to have some medical issue like chronic back pain, heart issues, or sleep apnea, my advice to you is mums the word. How in the world will they know? Obviously I’m not being serious here…I am not advocating insurance fraud in any way.
There are plenty of other things that could go wrong, but we don’t need to go into detail, since these are the most common issues facing brides and grooms that will be covered by a wedding insurance policy. As for the story I mentioned earlier, check it out. I attended a wedding reception with about 250 people where there were small candles on each table. So, 250 tables, 10 people per table, 25 tables, what are the odds of the following happening? Right before the grand entrance, an aunt decides to reach across the table to admire the centerpiece. She was wearing a very sheer wrap that got a little too close to one of the table candles and the wrap went up in flames. She didn’t get the thing off fast enough and her shirt caught on fire, too. She got burned up pretty good, a lot of her previously covered skin now exposed, some of it red and raw and some charred black. She was in agony. They rushed her out to the foyer and waited a few minutes for an ambulance to arrive. Now here comes the crazy part. She sued the bride (who was her niece!) for medical costs and punitive damages! Who sues another family member, especially in regards to such a special and important and supposedly happy day? What takes the cake even more is, she sued the location, which settled with her. The location decided to go after the same bride and groom to get back their money! all of this could have been avoided if they spent about $150.00 on some type of wedding insurance policy.
So there you have it. If you choose not to get wedding insurance, you do so at your own risk, but at least make sure all of your vendors for your wedding carry some kind of coverage. If it is important for you to be worry-free your wedding day, then wedding insurance may be the road to security for you.
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