Insuring Your Wedding

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Reducing Insurance Premiums

When was the last time you evaluated your budget? A few months ago, I took a good, hard look at my finances, and I realized that I was spending a boatload on insurance premiums. I knew that I needed to cut down my spending, so I started talking with my insurance agent. The agent was incredibly kind and caring, and he walked me through a variety of hypothetical scenarios to help me to make things right. I was really impressed with how awesome the experience was, and I was able to save a lot of money on my premiums. This blog is all about reducing insurance costs.


Insuring Your Wedding

20 June 2016
 Categories: Insurance, Blog

If you are planning a wedding, you have so many things to think about, including the dress, the venue, and the food. All of these things are expensive, and although you don't want to think anything can go wrong, it certainly can. The weather can go crazy or some other calamity can occur. Although you cannot insure the marriage, you can certainly insure the wedding. Before the big day, you need to make sure your policies cover your expenses and your liabilities.

Property Insurance

If you are planning a backyard wedding, your current property insurance liability will protect you. If you are planning to serve alcohol, you should check your liability coverage to make certain it is adequate. Sometimes, an umbrella policy is recommended. When alcohol is part of the equation, bad things are more likely to happen, so you need to protect yourself in case your guests are involved in an accident. Special event policies geared toward these types of occasions are also available. You will need to consult with an insurance agent from a company like Harris Insurance Services to see what additional coverage you need. 

Wedding Cancellation Insurance

You can also buy wedding cancellation insurance to protect your financial investment. Sometimes life gets in the way. Sudden illness, flooding, and even a change of heart can cause the ceremony to be cancelled or delayed. These policies not only cover postponement and cancellations, they also protect you from no-show vendors, gift theft, and a number of other issues. You can choose a number of coverage limits depending on the size and expense of your ceremony and reception. 

Wedding Liability Insurance

If you are holding your wedding at a venue, the management may require you carry wedding liability insurance. Most policies cover the wedding and the reception. Some will even cover the rehearsal dinner if it is close enough to the actual wedding day. This insurance protects you if someone is injured or property is damaged during your event. Remember, even the most elegant occasions can get rowdy after a few hours of drinking, so even if you are not required to have this insurance, you should consider buying a policy.

Weddings can be risky simply because they are generally quite expensive. In addition, having a number of guests can open you up to serious liability issues. You can protect yourself by purchasing the right wedding insurance coverage. Even if you plan a small backyard wedding, you need to consult your insurance agent to make certain that you are adequately covered.