What is wedding insurance?
Wedding insurance is a type of insurance that can help protect your investment in your wedding. It can cover a variety of events, such as cancellation, postponement, inclement weather, vendor no-shows, and even theft or damage to wedding gifts. If you are searching for wedding insurance in Cumming, Ga, and beyond, please contact Bradford Turner Insurance Group.
What does wedding insurance cover?
Wedding insurance usually covers the following:
- Cancellation or postponement: If something happens that forces you to cancel or postpone your wedding, wedding insurance can help reimburse you for your non-refundable expenses. This could include things like your venue deposit, catering costs, and photographer/videographer fees.
- Inclement weather: If your wedding is cancelled or postponed due to inclement weather, wedding insurance can help cover your expense. This could include things like tent rental, transportation, and food for your guests.
- Vendor no-shows: If a vendor that you’ve hired for your wedding fails to show up, wedding insurance can help cover your costs. This could include things like the cost of finding a replacement vendor, or the cost of hiring someone to do the vendor’s work.
- Damage to wedding gifts: If your wedding gifts are damaged or stolen, wedding insurance can help cover your losses.
- Sickness or injury: Wedding insurance may cover sickness or injury to the couple or immediate family members. This doesn’t include pre-existing medical conditions.
- Military or job: Military personnel may be shipped out at a moment’s notice. Wedding insurance can cover postponement of the wedding due to a bride or groom suddenly getting called to military duty. This can also apply to a last-minute corporate move like the bride’s company suddenly relocates her to another city.
Is wedding insurance worth it?
The average cost of a wedding in the United States is $28,000! Whether or not wedding insurance is worth it depends on a number of factors, including the total cost of your wedding, the amount of coverage you want, and your risk tolerance. If you’re spending a lot of money on your wedding, or if you’re anxious about something going wrong, wedding insurance is usually a good investment.
Here is a breakdown of the expenses:
- Venue: $10,000
- Food and drinks: $7,000
- Photography and videography: $4,000
- Flowers: $3,000
- Music: $2,000
- Wedding dress: $1,500
- Tuxedo: $1,000
- Wedding rings: $5,000
- Transportation: $2,000
- Other expenses: $2,000
How much does wedding insurance cost?
The cost of wedding insurance varies depending on the amount of coverage you want and the company you choose. You can expect to pay anywhere from $100 to $500 and up for a basic wedding insurance policy.
When should you get wedding insurance?
The best time to get wedding insurance is as soon as you start making wedding plans. This is because most wedding insurance policies have a waiting period, which means you won’t be covered for events that happen before you purchase the policy.
How to get wedding insurance
To get wedding insurance in Cumming, Ga and elsewhere, you can contact Bradford Turner Insurance Group. When you’re getting quotes, be sure to compare the different policies and make sure you understand what’s covered and what’s not.
What you need to know about wedding insurance
Now that you know what wedding insurance is and what it covers, you can start looking for a policy. Here are a few things should keep in mind:
- Adequate limits: Different wedding venues have different requirements for insurance limits. Many venues require at least $1 million in liability coverage. Ensure that your policy has enough coverage to meet the requirements of your venue.
- Certificate of insurance: Most venues that require wedding insurance will also require a certificate of insurance. This is a document that proves you have the required coverage for your wedding.
- An additional insured: Your venue may request to be added to your policy as an additional insured. This means that they will be covered under your policy in the event of an accident or other event.
Conclusion
Wedding insurance offers protection for your investment in your special day. If you have concerns about potential mishaps, wedding insurance could be an excellent choice.
Several factors to consider when deciding on wedding insurance include the size and complexity of your wedding. The more extravagant it is, the more beneficial insurance may be. Additionally, evaluate your budget to ensure it aligns with the cost of the insurance policy.
If you prefer to be prepared for any situation, wedding insurance might suit your risk tolerance.
To make an informed decision, obtain quotes from various insurance companies and carefully review the terms and conditions of each policy to understand the coverage and exclusions. Taking these steps will help you decide if wedding insurance is the right choice for you.
