"Do I need wedding insurance?" is an important question to consider.
One of my couples had planned for sixteen months only to discover less
than a week before the ceremony and event for 250 guests that the venue
had closed its doors after three decades in business.
No clue. No notice. No warning. No refunded deposit.
It's impossible to know which disasters are lurking to thwart your big-day in advance.
A protection policy will pay for lost deposits you have paid because
someone you hired to provide goods or services went out of business.
Wouldn't you prefer to get reimbursed for lost deposits and additional expenses incurred beyond your control?
"Seeing the pictures of us after you pronounced us married as we exited the ceremony space along an aisle of sparklers wowed us! We look as if we were floating and it was all because of you, Reverend Mattie. Thank you for writing and performing a ceremony for us unlike any other." Alaina and Remy, Oswego, NY
Before you buy coverage, check with your vendors to discover how well
they are protected. Next check with a reputable insurance firm. You
might wish to start with a licensed agent who already provides coverage
for you or your family. Then open a discussion about coverage that makes
sense for your event.
Some couples may prefer researching online wedding insurance information. The same cautions apply as if you were speaking with a reputable agent.
Be sure to check the firm's rating. Find out how you will get your questions answered.
Are there references for claims paid? Is it easy to understand the coverage information the firm is providing? What is excluded? What deductibles apply? Can you tailor your policy to your needs?