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The ongoing fires in Southern California bring to mind the need for Wedding Insurance.

 

Wedding Insurance should be something that you should at least consider.  It is relatively cheap considering the average cost of a wedding is around $28,000. 

So what does it cover?  Different wedding insurance providers have different levels of coverage but here are some issues that may be addressed I found on Wedsafe.com, a wedding insurer.

Weather - If the policy is purchased more than 14 days before the wedding and adverse weather prevents the celebration from taking place or a majority of your guests from attending, the costs of rescheduling the event are covered. Be aware that dark skies and light rainfall alone won’t qualify as reason enough to cancel your wedding.

Key People - If people crucial to the wedding are unable to attend due to illness or injury, the cost of postponing the event is covered. This also holds true if the officiant fails to appear on your wedding day.

Military - If the wedding must be postponed due to the bride or groom in the military having their leave withdrawn.

Photographs & Video - If your photographer fails to show, if the film used for your photos is defective, or if the negatives are lost, destroyed, or improperly developed, this coverage allows you to reunite the wedding party for a re-shoot to capture your wedding memories.

Special Event Gifts - This coverage is designed to protect you against the theft, damage or loss of your special event gifts.

Special Attire - If your special event attire or one of your attendants is lost or damaged, this coverage will provide for repair or replacement.

Special jewelry - This coverage is designed to replace special event jewelry that is lost or stolen prior to your wedding day.

Loss of Deposits - If one of your vendors goes bankrupt or ceases doing business, this coverage will respond to reimburse you for any deposits you may lose as a result.

* Please note that coverage is subject to specific conditions, exclusions, limits and restrictions

How much does it cost?  Of course it varies but somewhere around $200-$500 depending on the amount of coverage would be pretty close.  It really is a small investment considering the cost of a wedding. 

So if you are having your wedding in the Southeast during hurricane season or the Northeast during the winter or the Southwest when there are wildfire threats you might want to get insurance.  But for that extra piece of mind wherever you are it might be also worthwhile.

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