Why Wedding Insurance Matters

By Diana Charkalis

If you’re getting married, chances are you’ve put a lot of time, effort and money into planning the big day.  Weddings are expensive—and anything expensive should be insured. Janet Ruiz, representative for the Insurance Information Institute, says “Lots of things can be covered from the venue to the caterer, even the flowers.”

Check out these three reasons why the right wedding insurance could really matter to you:  

You’re getting married somewhere unique. The more unconventional your wedding site, the more likely you are to need wedding insurance. Most non-traditional venues require you to have some kind of liability insurance, Ruiz says.

Even if you’re having a wedding in your own backyard, wedding insurance can come in handy. Sometimes your home insurance provides liability protection on and off premises for an event you’re hosting. Your insurance representative can tell you whether you have that coverage—and what its breadth is. But wedding insurance will cover vendor fees if your big day is canceled because of illness, injury — or even cold feet.  

You’re worried about the weather.  Expect the unexpected. If the weather could wreak havoc on your special day, wedding insurance can offer peace of mind. “In bad weather sometimes the wedding party can’t even get to the venue,” says Ruiz.

You spent a fortune on the dress: Gowns can be costly and anything can happen, says Ruiz. “Businesses go out of business, alterations can ruin a dress… These are all things that may be covered.”

 

Amica wedding insurance policies offers various types of protection for your big day. Visit Amica.com to get an Amica Insurance quote today!

Diana McKeon Charkalis is a Yahoo Storyteller. Her work has also appeared in USA TODAYPrevention and The LA Daily News.

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