subject: Understand the Wedding Insurance Policy [print this page] Understand the Wedding Insurance Policy
Preparing for the big day can be very stressful on a couple. Wedding insurance, however, can help ease the bride and groom's minds by protecting their financial well-being. Most policies can be purchases for under $500, which helps in the event of a tight wedding budget.
Whether or not to buy wedding insurance is an important decision for every couple. Weddings are becoming increasingly more expensive, so protecting this priceless moment should be a top priority. The more costly a couple's wedding is, the more they should consider purchasing insurance.
Although every couple should thoroughly read a potential policy before committing, here is a list of what is generally covered by policies:
1. If a couple's wedding is canceled due to rain or any other weather related reasons, insurance policies will usually cover rescheduling costs.
2. If the wedding is canceled due to important members of the wedding developing a sickness or injury which prohibits the wedding from taking place, the insurance policy will typically cover the costs associated with the postponement.
3. If, for whatever reason, the minister or any another official doesn't show up at the wedding, the insurance policy will help recover the costs.
4. Let's say the photographer doesn't show up, making those timeless wedding photographs an impossibility. Insurance policies will typically cover these costs. The same applies to other vendors not showing to the wedding.
5. Most places where receptions take place generally have their own insurance policies. But in the event a chosen reception site doesn't, wedding insurance could possibly cover this area of the wedding too. More specifically, if there is a fire or a mechanical problem which causes a rescheduling to occur, a policy could help alleviate the associated costs.
Insurance policies can also be extended to include:
1. If either person getting married is actively in the military, some wedding insurance policies will include a rider which protects against rescheduling costs caused by a sudden deployment.
2. Another useful rider is one that will help recoup the costs of the bride's gown or the groom's tux in the event that either store goes out of business or closes down.
3. In many cases, a couple's homeowners insurance will cover theft and/or damage to wedding gifts. But in the event that the homeowner's insurance doesn't, some wedding insurance will. Find out about Income Protection. Also make sure to visit Buy Zurich Life Cover.
4. Although many couples prefer to get married in a church, some prefer a more intimate wedding at home. If a guest in your home falls down a staircase or is injured in some other manner, wedding insurance can help protect a couple from full liability.
5. Good news: the wedding went off perfectly. Bad news: the groom became violently ill and the honeymoon had to be canceled. More good news: the bride made sure to purchases the rider covering honeymoon cancellations due to illness or injury.
One final note: if either the bride or groom gets cold feet before the wedding or the wedding is canceled, this situation is generally not covered by most wedding insurance policies.
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