Congratulations! She said “yes” to your proposal! Aside from getting valuable items insurance for the ring you should consider purchasing wedding insurance for your big day. When you purchase wedding insurance, you are protecting yourself in the event of a cancellation or postponement, as well as against any liabilities associated with the wedding.
Purchasing insurance probably wasn’t at the top of your “to-do” list when you were getting down on one knee. However, over the years we have all learned to expect the unexpected. When you think about all the costs associated with a wedding, spending a little bit more for protection on your big day should be a no brainer!
What is covered under wedding insurance? There are 2 different types of coverages – liability and cancellation coverage. Liability coverage protects you if something happens that’s out of your control. Such as Grandma slipped and broke her hip on the dance floor! Many policies include the following liability coverages: guest injuries, liquor liability, vendor issues, lost or stolen items, and damage to the venue. Cancellation and postponement coverage protects you in the event that you wedding cannot be held the scheduled day as a result of circumstances beyond your control, such as inclement weather or family emergencies.
If you get cancellation coverage, ensure you ask your agent if COVID-19 is covered! The pandemic has thrown a wrench into a lot of plans over the last year. Don’t assume that your plan will cover this pandemic. Ask us as many questions as you can think of when discussing your policy – even the ones that seem obvious!
Wedding insurance can be structured to cover events within 48 hours of the wedding. Meaning you can cover events such as your rehearsal dinner, or day-after brunch. You can also cover deliverables from vendors, such as the cake, flowers, or dress. Bottom line, all things you may be writing checks for during the planning process can be insured!
Already in the middle of planning your wedding? Good news! There’s still time to purchase wedding insurance. While it is recommended to purchase insurance as soon as you start to plan your wedding, you can purchase insurance anytime during the planning process. Contact The Florida Insurance Chick™️ at (813) 448-7580 or online at https://southshoreins.com/ to speak with one of our experienced representatives about insuring your big day!