When you plan for a special occasion such as a wedding, you don’t think that something can go wrong—until something does. When the unexpected happens, are you equipped to handle it right? There are numerous situations when bad weather, caterer and photographer cancelations, or family emergencies forces the wedding to get canceled or postponed. When you are canceling a wedding or moving it to a different day, many deposits will not be refunded and you lose money. In order to save your money, you should get a wedding insurance.
Here are a few tips on how to choose the best wedding insurance:
- Check details of your insurance plan. When you are reading your insurance plan, you should pay close attention to sections such as site insurance, weather conditions, and vendors’ no-show. These are the most common disasters that occur during wedding celebrations.
- Compare insurance plan with your vendors’ policies. Before you purchase the wedding insurance, you should talk to your vendors such as a site manger, a caterer, a photographer, and a florist. Some vendors include insurance in their policy in case of emergencies like postponement and cancelations. You shouldn’t pay more than you have to.
- Talk to your insurance agent. Every wedding is different. In order to cover all aspects of the event, you need to consult with your insurance agent. Usually agents have all the necessary tools to create a policy that covers all your needs. They also can help you to contact your vendors and check their policies so that you don’t have to pay more.
- Cost. There are many different insurance plans with different costs. The wedding insurance ranges from 100 dollars to several thousands, depending on the cost of the wedding. You should check your local insurance company that insures your car and house. If you already have an account with them, they might give you a discounted rate on your special event.