How Wedding Insurance Could Save You a Major Headache

We all hope for the best when we're planning a wedding but sometimes the unexpected strikes!

According to Wedding Protector Plan, every year they hear that extreme weather events become even more unpredictable. Last year, they saw a few very popular wedding venues damaged or without power for months on end after hurricanes hit. Wedding dresses and other precious nuptial items that had to be left behind during flash flooding were lost or damaged beyond repair. Wildfires led to mass evacuations all over the West Coast, causing weddings to be postponed until it was safe to return. Nor’easters caused transportation shutdowns that caused wedding couples trouble with vendors that could not get to their venue on their meticulously planned day.

What Does Wedding Insurance Cover?

Underwritten by Travelers, the Wedding Protector Plan provides wedding insurance coverage for the ceremony, reception, rehearsal, rehearsal dinner, and possibly a post-wedding brunch, all for affordable rates with no deductible. With last year’s devastation from severe weather events fresh in everyone’s mind, and with venues increasingly requiring insurance, find out how wedding insurance can protect your special day.

Wedding insurance policies can protect the payments you’ve made to your venue and contracted vendors, such as your DJ, caterer, florist, photographer, bridal shop, etc. If these vendors happen to go out of business, not show up to the wedding, or don’t deliver the services you’ve paid for and outlined in your contract, Wedding Protector Plan's policy can help pay you back the deposits you’ve lost to them and can even help you pay for a replacement vendor. Unfortunately, issues with vendors happen to be the number one source of wedding insurance claims. One example that most of you have probably heard of is when Alfred Angelo, a bridal dress shop, closed numerous stores nationwide in 2017, leaving many dress orders unfulfilled.

The cost of the wedding is also protected if you had to cancel or postpone the wedding due to catastrophic weather events, such as hurricanes or extreme flooding, sudden illness or death in the immediate family, or venue unavailability, such as your venue double-booking or getting damaged during a hurricane and closing for repairs. If the wedding is cancelled or postponed, the honeymoon expenses can also be covered. The costs for all of these events should be factored into the level of coverage you are purchasing.