Wedding Insurance – Better Safe than Sorry
You’ve spent months planning your wedding day; and probably spent thousands of dollars. Unfortunately, all of your careful planning cannot protect you from unforeseen disasters. Today, many South Carolina brides and grooms are considering wedding insurance to protect their investment and give them peace of mind.
In basic terms, wedding insurance – or event insurance – covers problems that are beyond your control. Most coverage includes things like:
* Severe weather
* Vendor no-show
* Lost or damaged wedding bands
* Wedding attire
* Rescheduling due to military deployment
* Illness of family members
* and Stolen Gifts.
Cold feet, unfortunately, would not be covered. Most wedding insurance covers ceremonies and receptions being held in the continental US, Canada, Puerto Rico or cruise ships departing from ports in those locations.
For an additional fee, coverage can be extended to include lost or damaged photography, honeymoon cancellation, personal liability coverage, host-liquor liability or weddings being held outside the continental US.
Personal liability coverage is something to consider carefully. For example, if a wedding guest twists their ankle while doing the Hokey Pokey, they could sue you for medical expenses. Some South Carolina venues offer liability protection and some homeowner’s policies do as well.
Before your event, make sure you are properly covered. Host-liquor coverage protects you from accidents resulting from the liquor being served at your event. Again, check with your venue and existing insurance company to make sure you are adequately covered.
Most wedding insurance is reasonably priced, depending on the amount of coverage you want. Most plans will run you a one time premium between $150 – $550. Most liability coverage costs only dollars more and protects you up to $1 million dollars.
Major home and auto insurance companies are starting to offer event insurance and you may enjoy a lower premium if you go with your existing insurance carrier. If not, there are companies online that offer one-time event insurance protection.
You’ve spent a lot of time and effort planning every detail of your wedding day – but don’t leave anything to chance. Wedding insurance is affordable and can offer you peace of mind.
If something does come up to disrupt your nuptials and you aren’t covered – you could end up sending twice as much as you originally planned.
To learn about Companies offering wedding insurance in South Carolina, visit www.Insurances.sc.
Article From weddings.sc/content,wedding-insurance/
Posted by weddingssc on 2008-02-15 20:54:07
Tagged: , wedding , insurance , bride , disaster