Wedding Insurance Coverage

What Does Wedding Insurance Cover?

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First and foremost—Congratulations to the happy couple!

As you know, planning a wedding is a large undertaking in both time and money. According to a 2017 study by XO Group/the Knot, the national average cost of a wedding is $33,391, and in Pennsylvania, that average is even higher at around  $35,900. But, of course, it’s also a labor of love. You and your spouse-to-be carefully plan every detail of your big day and you want to be sure that when you’re getting hitched it goes off without a hitch.

On the day of your wedding, you want to revel in the experience without fear of what could go wrong. This is where wedding insurance has your back. Wedding insurance helps protect couples, like you, from circumstances beyond your control and offers reimbursements for any expense related mishaps. For only around $200, you can protect your wedding investment and live happily ever after!

Let’s Cover What Wedding Insurance Covers:

Depending on the carrier, coverages under a wedding insurance policy may vary. We will look at a variety of our affiliated carriers to find the solution that best protects you and your dream wedding.

General and Liquor Liability:
These are the basis of the policy, and what is typically required by venues. Each of these liability coverages extends protection against bodily injury or property damage caused by an accident that occurs during the course of the wedding.

Cancellation or Postponement Coverage:
While postponing or canceling your wedding is the worst-case scenario, family illness, extreme weather, or other unexpected reasons do pop up. Wedding insurance protects you in case you need to delay or cancel your wedding.

Wedding Video/Photo Coverage:
If your photographer or videographer doesn’t show up the day of or does not deliver photos and videos as promised, you’re covered.

Protection for Wedding Gifts
With the exceptions of cash or gift cards, wedding gifts can be covered by your wedding insurance policy.

Special Attire and Jewelry Coverage
Lost or damaged dresses, attire, or jewelry can be included in your coverage. While your policy may protect if your wedding rings are lost or damaged, your engagement ring probably may not. We suggest getting additional valuable articles coverage for your engagement and wedding bands.

Unexpected Expenses
The saying goes to expect the unexpected. Things such as replacing a damaged wedding cake, spoiled food/catering, and entertainment can be protected under your policy.

Coverage for Lost Deposits
Payments made to bakers, caterers, bridal shops, and wedding venues that go out of business are eligible for reimbursement if something goes wrong.

The hope, of course, is that you do not need to utilize this coverage and that everything runs smoothly on your wedding day. But it’s better to be safe than sorry. Say “I Do” to Wedding Insurance!


A Note on the Coronavirus & Wedding Insurance:

COVID-19 is now considered a known cause meaning that moving forward, cancellations due to the virus will be not covered or reimbursable under a wedding or special event policy. Please contact your agent for questions or more information.

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