When everyone dreams of their wedding, they envision the Perfect Day, where everything runs smoothly and then they drive off into the sunset. Not to abruptly bring you down to reality, but so many things can go wrong and at times they do. Now, we know you don't want to hear this...at all, but disaster can strike on your big day. Isn't it better to be insured for what you hope may never happen, then not be prepared at all?
What if the day before your wedding, the wedding site burns down? What if a sudden storm prevents all your guests from making it to your wedding? What if your dream dress gets damaged or before your wedding dress is completed the bridal boutique closes down? What if your groom gets a stomach virus after the rehearsal dinner? What if? What if? What if?
The purpose of wedding insurance is to financially protect engaged couples from unforeseen circumstances that they have no control over. In order words, it's your "What If" protection. Wedding insurance policies typically cover cancellation costs from unforeseen issues like a missing officiant, weather, missing vendors, sickness or injury, and damages to your wedding site. Policies usually range from around $125 to around $400, depending on the amount of coverage you need. And with the rising cost of weddings, getting wedding insurance is quite inexpensive in comparison, especially with the peace of mind it provides.
Do I Really Need It?
Having wedding insurance is a lot like having car insurance. You hope you never have to use it, but if an accident happens you are protected and the burden of recouping your losses is not solely on you. Let's continue with the car analogy. You can be the best driver in the world, taking all possible precautions, but there are other variables that are beyond your control: other drivers, the weather, roads in need of repair, etc. Same thing goes for weddings. A lot of other people are involved, from vendors to your wedding party. With your wedding day success dependent on so many things, the likelihood of something going wrong is a big possibility. Wouldn't you rather have something in place, just in case something goes wrong?
No one wants to think about disaster striking their wedding day. That's understandable. And though it's unlikely that the worst case scenario will occur, wedding insurance is worth considering, if only for peace of mind.