Couples are most concerned about the weather, venue, key people, sickness or injury, as well as the key people and key people. There may be a maximum amount that can be claimed for each section and a deductible. Before you buy wedding insurance, make sure to verify the details.
* Venue: Find out if the ceremony or reception venue has insurance. If your wedding insurance does not cover you for unavoidable cancellations (such as damage to the venue or inaccessibility), or if the reception hall is temporarily or permanently unavailable due to fire, electricity outage or other reasons.
* Vendor – They don’t show up to your wedding. What if your caterer or other importna vendors do not show up? A wedding insurance policy will cover any cancellations or postponements.
* Weather: Any weather conditions that could prevent the bride, grom or other relatives from attending the wedding, or even if they can’t because of adverse weather, the insurance will cover the rescheduling of the wedding and all the necessary details.
* Injuries or Sickness: If a key person, bride, or groom becomes ill and is unable to attend the wedding, you can also get coverage.
* Military and other Jobs: Military personnel can be sent out to another country at any moment. Wedding insurance covers postphonement in the event that the bride or rde is called up for service. If your company needs to relocate, this may also apply to you.
What is not covered by wedding insurance?
* Any party can change their mind.
* Watches, jewelry, semi-precious gemstones and pearls are allowed to be worn on clothing.
* The policy may cover wedding rings, but not the engagement ring.
You may Require Additional Coverage.
To protect yourself against damage caused by items related to weddings, such as gifts and photography equipment, you may want to consider a supplemental policy.
* Photography: Insurance policies may cover you for retaking photographs after the event if the photographer is not there or if the original negatives are damaged, lost, stolen or not properly developed. Some policies allow you to re-stage an event with all the participants, so that the photos can be taken again. The cost of hiring a photographer, purchasing a new cake and flowers, as well as the costs associated with re-staging, may be covered by a policy.
* Gifts: No matter how you choose to present your wedding gifts, you should consider insuring valuable items such as gifts. Gift coverage covers the cost of replacing or repairing non-monetary gifts that have been stolen, lost, or damaged. For any gifts stolen, you will need to file a report with the police. You will need to submit a police report for any stolen gifts.
* Attire: This coverage covers the cost of replacing or repairing the bride’s gown or special attire if it is stolen, lost, damaged, or stolen (including the financial loss of the bridal shop).
* Personal Liability: This covers injuries or property damage that occur during the wedding.
* Medical coverage: This covers reasonable medical expenses up to the policy’s limit for any person who is hurt during covered events.
* Honeymoons can be as expensive as new cars at times. Before you purchase travel insurance to protect your investment, check with your credit card to see if it covers you in the event that your luggage is stolen, delayed or cancelled. Some packages of wedding insurance include optional travel insurance for your honeymoon.
