If there is one topic that we get a TON of questions about it’s wedding insurance. With the average cost of a wedding being well into the $30,000s, it makes sense to invest in some kind of financial protection should anything happen during the wedding planning process or on the big day. We went to the experts at Duncan Financial Group, located in Irwin, to help answer the most basic questions: What is wedding insurance and what does wedding insurance cover?

What is wedding insurance?

Wedding insurance helps protects couples from circumstances beyond their control. It provides financial protection and offers reimbursements for any expense-related mishaps. For a nominal fee, usually around a few hundred dollars, a couple can protect the larger investment they’ve made for this once-in-a-lifetime event.

What does wedding insurance cover?

Depending on the carrier, coverage under a wedding insurance policy can vary. There are often multiple options and your insurance provider can help find the best solution for your specific needs. Generally speaking, wedding insurance can provide the following:

• 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 of 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 may not be protected. It is recommended to get additional valuable articles coverage for your engagement and wedding bands.
• Unexpected Expenses: Even on your wedding day, expect the unexpected. Things such as a damaged wedding cake, spoiled food/catering, and entertainment gone awry can be protected under your policy.
• Coverage for Lost Deposits: Payments made to bakers, caterers, wedding dress boutiques, and venues that go out of business are eligible for reimbursement.

It is advised to talk to your insurance agent about specific coverage and which option would be the best for your wedding.