Wedding Insurance 101: what it covers and why all bride and grooms should consider it

When people plan a wedding, there is so much time and energy spent on the important details such as the guest list, the food, the band and the flowers. With so much going on during the process, many couples neglect to think about protecting the significant financial investment of the wedding itself. However, there are some great insurance policies available to make sure one is protected financially in case something goes wrong on the big day.

Many people wonder what wedding insurance protects against. There are two types of coverages available in the marketplace. The first coverage is referred to as cancellation and postponement coverage. In the event, that your wedding must be canceled or postponed, this policy will protect you from any financial loss. It is important to note that this coverage is not meant to reimburse you should you decide not move forward but for reasons out of your control such as the venue closing or severe weather. If you are planning a winter weather in Sandypoint, ID,  it is critical to protect against a delay due to weather!

The second coverage available is a liability policy that will protect you financially in the event someone is injured at your wedding or damage is caused by one of your guests. You will also want to check the contract you have with the venue as many businesses will require this coverage. If it is necessary, you should share the contract with your agent at The Insurance Shop USA to ensure you are carrying the required limits.

No bride or groom wants to think of a situation in which a wedding could be canceled or a guest being injured. However, it is important to remember that a wedding is a significant financial investment and should be protected. If you would like to learn more about wedding insurance, please reach out to us at The Insurance Shop USA, we proudly serve the Sandypoint, ID area.