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Wedding insurance
Love may be
priceless, but unfortunately getting married can be very
expensive. If you have recently become engaged or currently
planning the wedding of your dreams, you should see if wedding
insurance is right for you.
Wedding insurance is a form of special event insurance designed
to provide financial protection if you have to cancel or
postpone a wedding because of death or serious injury in the
immediate family, the bride or groom is called to military duty,
a natural disaster such as a hurricane or earthquake occurs on
your special day or other insured disaster. One thing that is
generally not covered, however, is change of heart.
Depending on the policy or level of protection you select, there
may be the following coverages:
- Reimbursement of non-refundable deposits
due to circumstances outside your control such as a death in
the immediate family
- Damage to the wedding dress or other
special wedding attire
- Theft of wedding gifts
- Expenses incurred to reassemble the
wedding party to retake photographs because of damaged or
destroyed film or videotape
- Professional counseling if the
cancellation or postponement of the wedding causes severe
emotional stress (A doctor’s note will be needed)
Before purchasing this or any other type of
insurance, find out the following:
- If the insurance company is licensed to
do business in the state where you live.
State Insurance
Departments
- How much the policy will cost and how
much reimbursement you can expect if a loss occurs
- What is and is not covered by the policy
- Determine if there is coverage elsewhere
through credit cards, warrantees or through home, auto or
liability or other insurance policies you may have
Permission
for republication granted by © Insurance Information
Institute, Inc. --- ALL RIGHTS RESERVED
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