A wedding insurance policy can take away a lot of the worries you may have about your wedding. It covers a lot of things including liability. However, you don’t always have to purchase wedding insurance separately. It comes with a few common insurance policies.
If you have homeowners insurance or a renters insurance policy, it covers most of the things bad things that would happen during a wedding. This applies if you’re having your wedding at home. Most venues have their own insurance policy but it would be best to ask beforehand.
Wedding Coverage Through Other Insurance
Having homeowners insurance or renters insurance covers your personal property. So during a wedding, any of your personal property was to damaged, your insurance will cover it. If this is your worry, you don’t need to get a separate plan since you are already covered. However, if you’re going to have an outdoor wedding, especially in the fall, then wedding insurance might be a good idea.
Any extreme weather that causes you to cancel the wedding will be reimbursed. So just rainy weather won’t be covered. Other things that wedding insurance covers is pretty much the same as what the above covers. Any injury or illness in the wedding of the bride or the grooms or their immediate family for any reason that is outside of your control will be covered. This liability coverage covers medical expenses, legal claims that are against you, etc. same as any other liability coverage. The coverage amount is usually around $1 million but it can be different depending on your policy.
Should You Get Wedding Insurance?
We recommend wedding insurance if the following applies to you.
- You don’t have homeowners or renters insurance
- The venue you’re holding the wedding doesn’t have insurance
- The wedding is being held outdoors with the possibility of extreme rain
The wedding insurance also covers cancellation or postponement. This covers anything outside of your control such as extreme weather, injury or illness during the wedding or vendor not showing up. You are also going to be compensated even if the wedding continues.
As for choosing the right wedding insurance policy, here are the best wedding insurance companies as of now.
- Markel Insurance
- The Event Helper
- eWed Insurance