Wedding Flowers

There are several types of weddings.  Large weddings that include 300-500 guests can cost in the hundreds of thousands, and smaller, more intimate weddings that can cost under $10,000.  Destination weddings are all the rage, which include the wedding and honeymoon all in one location.  Depending on the location and who is invited to the wedding, these can be fairly inexpensive comparatively, or can be quite costly.  Before you compare wedding insurance policies, be sure to have some of the wedding details ironed out.  There are different types of policies for different sorts of weddings.

Domestic Wedding Insurance

Domestic wedding insurance is basic insurance sometimes called wedding insurance, but more often called event insurance.  This type of insurance can cover things like cancellations and postponements of the wedding for unforeseen reasons, lost or stolen wedding gifts or rings, damaged bridal gown or other wedding attire, even missing caterers and photographers.

Compare wedding insurance providers for domestic insurance when you are having your wedding close to home, or even at home.  Most homeowner’s policies do not cover event happenings such as weddings.  It’s not a bad idea to check with your homeowner’s policy first, however, because it just might.

Destination Wedding Insurance

If you plan to travel abroad, compare wedding insurance policies to find out if it they include traveler’s insurance for destination weddings.  Some do include destination wedding insurance but the coverage is not likely to be as broad as traveler’s insurance.  Many people who choose to travel for their weddings choose both wedding and traveler’s insurance.

Wedding Liability Insurance

Wedding liability insurance is not the same as wedding cancellation insurance, although they can be bundled together into one premium.  Many facilities that host wedding receptions require at least $1 million of wedding liability insurance.  This insurance may also cover you in the case of lawsuits that come from wedding day mishaps.  Just tune in to cable television and you are sure find a show about weddings and the horrible things that can happen at an open bar reception.

Riders

Riders are add-ons to an insurance policy.  Depending on the details of your wedding plans, you will certainly want to compare wedding insurance riders.  Some providers even include change of heart riders for cold feet grooms and runaway brides.  However, the change of heart riders are only allowed if it is someone other than the bride or groom paying for the wedding.

Wedding insurance should definitely be on the list when planning for any wedding.  Time should be taken to compare wedding insurance policies to ensure that you are covered for everything you need, and not paying for coverage for things you don’t need.

References:
Suite 101; Before You Buy Wedding Insurance
The Independent; With This Policy, I Thee Wed
MSNBC; Afraid of Cold Feet? Get Wedding Insurance