Weddings and civil partnerships are memorable moments and they will be a memory for life. Nevertheless, couples must deal with the stress of rearranging and making sure that everything is perfect, even when there could be an unforeseen situation out of control. For example, the bride father’s getting sick or maybe the dress getting ruined. Anything can happen when there are so many factors to care for. A wedding insurance policy may help you with keeping your big day safe.
If you are going to spend a huge amount on your wedding, or the place you chose is more dangerous than others, wedding insurance could be an excellent option. Besides, you must bear in mind the two different types of wedding insurance that companies offer. Also, what it covers and doesn’t cover, as well as the limits in the policy of coverage matter, too.
What Is Wedding Insurance?
Wedding Insurance is a kind of event insurance that protects a couple’s investment from any mishaps or other situations that are not within their control. In a few words, it reimburses the expenses incurred. There are two types of wedding insurance: Liability Coverage and Cancellation Coverage. Depending on the company, insurance covers certain losses.
What Does Wedding Insurance Cover?
Just as we said before, wedding insurance depends on the type of company. However, here are a few examples of what they usually offer. Most of the wedding coverage plans provide coverage if your venue is damaged, people get injured or sick, and wedding attire is lost or ruined. Besides, it covers whether extreme weather doesn’t make the big day possible, and, in some cases, lost or stolen wedding items, like flowers, the cake, gifts. These policies can even cover if the supplier lets you down.
What Doesn’t It Cover?
As a rule, wedding insurance doesn’t cover a change of heart. If the bride or the groom gets cold feet or pull out of the wedding, there wouldn’t be a refund. Also, it doesn’t cover if you cancel the wedding because a small part goes wrong. For example, imagine flowers never came to the wedding, or the cake fell. Any of these reasons are not a good excuse to cancel. If you did, you would only receive the cost of these items.
Another situation that makes a refund impossible is a pre-existing health condition. For instance, whether a key person of the wedding gets sick as a result of a previous health condition, the wedding coverage may not cover the cancelation of the wedding for that reason. You must be sure about the limits that wedding insurance provides you and get the best option for you and your event.