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Why You Might Need Wedding Insurance

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Why You Might Need Wedding Insurance
Your 'Big Day' is a one time affair, but it may be worth spending a little extra to protect it.

By Mary Schwager for GalTime

consumers: consider wedding insurance before you say "i do"

When most people get married, they expect nothing but perfection. After months of tireless planning—they may think: What could go wrong?” It turns out—plenty!

Here are some of the cries for help I’ve seen fill my inbox over the years from couples planning a wedding. “Help! The inn where we were going to have our reception closed suddenly and we can’t get our deposit back!” Or, “That wedding videographer took our money, never showed up and left us high and dry!” 

These couples all have something in common. They were ready to say “I do” at the altar, but may have said, “I don’t” to wedding insurance.

With the average cost of a wedding reaching about $27,000 in the United States you may want to consider getting wedding insurance. That’s right, it's an insurance policy to help cover the unexpected. Everything from problems with the reception site, to bad weather, sudden cancellations, stolen gifts and even a damaged gown!

“Wedding insurance is a great way to protect yourself from the unforeseen, especially when weddings can be so costly,” said Paula Fleming, spokesperson for the Eastern, Massachusetts area Better Business Bureau. “Wedding insurance can cover a range of prospective problems such as vendor no-shows, cancellations, inclement weather, military deployment, medical emergencies, travel delays and more, so that you won’t lose money if plans have to change.”

Related: 4 Ways to Deal with Wedding Stress 

How often do these disasters strike? According to Traveler’s Insurance wedding data:

•  31% of claims were due to problems associated with vendors and venues.
•  19% of claims were due to sickness, injury and mishaps
•  17% of claims were due to problems like military deployment and unavoidable cancelations
•  13% of claims were due to vandalism and theft
•  10% of claims were due to catastrophic weather-related problems

Chantal Cyr, Vice President for Wedding Insurance at Travelers says she’s seeing strong interest in these policies. “Reports may show that people are cutting back on other expenses, but when it comes to weddings or special events we’re seeing people taking the steps to protect the investments they have made in these big life milestone events.” 

This article was originally published at . Reprinted with permission from the author.

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