Rhiannon Hendricks
Wedding insurance is a type of event insurance that protects you from financial losses and vendor mishaps. It can provide peace of mind should you or a close relative fall ill or be seriously injured before your wedding day. Wedding insurance can also cover the costs of rearranging or cancelling your wedding. This includes covering lost deposits and purchases if circumstances beyond your control cause you to postpone or cancel your wedding. In the case of a close relative's death, wedding insurance policies usually define what they mean by 'close relatives' and may include death or illness that prevents the wedding from taking place.
| Characteristics | Values |
|---|---|
| What does wedding insurance cover? | Financial losses, vendor mishaps, damage to wedding attire, damage to gifts, wedding photography and videography, wedding deposits, etc. |
| Does it cover death? | Yes, it covers the death of the bride, groom, civil partner, close family, or key members of the wedding party. |
| Who can purchase wedding insurance? | Any resident of the US may purchase a basic policy. The Wedding Protector Plan is not available to residents of Alaska, Hawaii, and Louisiana. |
| Who can be the insured/policyholder? | The insured/policyholder must be at least 18 years of age. The named insured can be either of the honorees or someone with a financial stake in the wedding, such as a parent. |
| When should you get wedding insurance? | Coverage can be purchased as early as 2 years before the wedding and as late as 24 hours before the event. |
| How much does it cost? | Wedding insurance plans begin at $160 without a deductible. |
Explore related products
What You'll Learn
Illness or injury of close relatives
Wedding insurance can provide peace of mind if you or a close relative falls ill or is seriously injured before your wedding day. Many wedding insurance providers will cover rearrangement costs if a close relative is unwell before the wedding, and some will also offer public liability insurance. This means that if a guest or relative is injured at the wedding or reception, and the couple is deemed liable, insurance will pay for legal liability for accidental injury to any person or damage to their property.
It is important to note that there are some scenarios that are not covered by standard wedding insurance policies. For example, circumstances that were known about when the policy was taken out and which are likely to cause the wedding, ceremony or reception to be cut short may not be covered. It is also worth noting that rehearsal dinners are not always covered but can sometimes be added to a wedding venue insurance policy.
The definition of 'close relatives' varies between policies, but usually includes the death or illness of the bride, groom, civil partner, close family or key members of the wedding party—people without whom it would be inappropriate to go ahead with the wedding. Some policies may require a medical declaration for every person that is 'key' to the wedding as part of the insurance application.
Wedding insurance can also cover unexpected illnesses, injuries or deaths that prevent the honorees, parents, grandparents or children of the honorees, or ceremony officiants from appearing in the ceremony. This is an optional addition to the Wedding Protector Plan and can be purchased separately as special event liability coverage.
Outdoor Weddings: Cheaper, but at What Cost?
You may want to see also
Explore related products
Death of close relatives
Wedding insurance can provide peace of mind if a close relative passes away or falls ill before your wedding day. It can also cover rearrangement costs if a close relative is unwell ahead of the wedding.
The Wedding Protector Plan, for example, can reimburse you for non-recoverable expenses if the wedding is postponed because a commercial transportation shutdown prevents the honorees (the couple) or their parents, grandparents, or children from getting to the event. It is important to note that this plan is not available to residents of Alaska, Hawaii, and Louisiana.
Liability insurance is another option that can be added to your wedding insurance policy. It covers bodily injury, property damage, and personal injuries to third parties at the location of your event. This includes liquor liability insurance, which protects you from alcohol-related lawsuits if a guest is injured while under the influence.
When considering wedding insurance, it is important to carefully review the policy's definition of "close relatives" and any specific requirements, such as medical declarations for key individuals, to ensure you have the necessary coverage in the unfortunate event of a relative's death.
While wedding insurance can provide financial protection and peace of mind, it is important to carefully review the terms and conditions, exclusions, and specific circumstances covered to ensure you have the appropriate coverage for your needs.
Chick-fil-A's Gay Wedding Catering: What's the Deal?
You may want to see also
Explore related products
Liability insurance
Wedding insurance is a special type of insurance policy that safeguards the financial investment made in a wedding. It also provides peace of mind in the case of unforeseen events. Wedding insurance can be purchased up to two years in advance of the wedding date.
In the context of wedding insurance, liability insurance is particularly relevant as it can provide financial protection in the event of unforeseen incidents. It is designed to indemnify the named insured, the bride, and the groom from certain types of claims arising from accidents during the wedding, reception, and rehearsal. This type of insurance is especially important if alcohol is being served at the wedding, as it can protect the couple from alcohol-related lawsuits.
Coat Check at Weddings: A Must-Have or Unnecessary?
You may want to see also
Explore related products
Liquor liability insurance
Wedding insurance can provide peace of mind should you or a close relative fall ill or be seriously injured before your wedding day. Policies usually define what they mean by 'close relatives' in the policy wording, but they typically include the death or illness of the bride, groom, civil partner, close family, or key members of the wedding party.
Some wedding insurance providers also offer public liability insurance, which covers you if a guest or relative is injured at the wedding or reception, and the bride and groom are deemed liable. Therefore, it is important to check the specific inclusions and exclusions of your wedding insurance policy, as well as the definition of 'close relatives', to understand if liquor liability insurance is necessary for your wedding.
Pippa's Wedding Flowers: Where Are They Now?
You may want to see also
Explore related products
Coverage for deposits and purchases
Wedding insurance can provide peace of mind for unforeseen problems, such as damage to the wedding dress, sudden cancellation, or a death in the family.
A basic wedding insurance policy, or core coverage, can reimburse you for non-refundable deposits and purchases if unforeseen circumstances beyond your control cause your wedding to be postponed or cancelled. This includes deposits for the venue, gown, wedding rings, caterers, entertainment, flowers, cake, invitations, and even postage. It is recommended that you choose a coverage level equal to the amount you would stand to lose in a worst-case scenario if you were forced to reschedule your wedding at the last minute.
Wedding insurance can also protect against no-show or bankrupt vendors, damage to wedding attire, damaged gifts, and more. Policies usually define exactly what they mean by 'close relatives' in the policy wording, but usually include the death or illness of the bride, groom, civil partner, close family, or key members of the wedding party. If a parent is taken to hospital with a serious illness, it would be appropriate to cancel the wedding so that the couple can care for their ill relative.
Liability insurance is an optional coverage that can provide coverage for bodily injury, property damage, and personal injuries to third parties at the location of your event. This could protect you if a guest was injured, the venue was damaged, or there was an alcohol-related incident. If a venue doesn't have its own insurance, liability insurance is a must, especially if you're serving alcohol. You can add your venue as an additional insured party at no additional cost.
Jamaican Wedding Songs: Could You Be Loved?
You may want to see also
Frequently asked questions
Yes, wedding insurance can cover the death of close relatives. Policies usually define what they mean by 'close relatives' and often include the death of the bride, groom, civil partner, close family or key members of the wedding party.
Wedding insurance can cover rearrangement costs, public liability insurance, property damage, personal injury to third parties, and unexpected illnesses or injuries.
Wedding insurance does not cover any circumstances that you knew of when taking out the policy, and which are likely to cause the wedding, ceremony or reception to be cut short. Postponement or cancellation of the honeymoon for any reason other than the cancellation or postponement of the wedding is also not covered.
