Do You Need Wedding Insurance?

Wedding insurance is one of those small details that many brides overlook. The costs range from $125. to $300. Wedding insurance and riders you can add to them cover a myriad of disasters that you can't control. If your wedding has to be postponed due to rain or bad weather, your insurance will cover the cost of rescheduling. It will also cover the expenses involved in postponement for the illness of essential people (read your fine print for the definition of essential). If you minister/rabbi or justice of the peace is a no show you'll get back some of your costs. If a vendor essential to your wedding disappears or goes out of business you can get back some of the cost, although how much depends on the specific policy. If the location of your wedding or reception doesn't carry their own insurance, your policy will cover damage to the building due to electrical and mechanical problems, fire, or if they go out of business. You can get riders to cover the damage to or theft of gifts if your rental or homeowners insurance doesn't cover them. A rider can also cover a spouse who is suddenly called to active duty in the military and if your gown store or the tuxedo store goes out of business or sustains damage. If you are having a wedding in your home be sure to carry liability insurance. Last of all, if you need to postpone your honeymoon due to bad weather, illness or other circumstances there is a rider to cover it. For companies offering wedding insurance go to: http://www.webanswers.com/bridal-weddings/snowstorm-concerns-for-our-wedding-904789.
Now that you know all the things that could go wrong you need to weight the pros and cons of your investment in your wedding to decide if it's a cost effective purchase.