Like most soon to be married couples, you've probably spent months preparing to insure that your wedding day will go smoothly. However, there are events that can take place on or before your wedding day that are beyond your control. An Event Insurance Policy Plan can cover you for unforeseen events, such as and illness in the wedding party, or an act of nature.
Wedding Cancellation Insurance Plans
Most policies will cover the financial impact of rescheduling a wedding reception if cancellation is caused by the following events:
Cancellation Due To Severe Weather
The cost of rescheduling the wedding because of severe weather will be covered only if a majority of your guests can not attend the wedding.
Absence of Key People in the Wedding
You are covered if people critical to the wedding ceremony or reception can not attend because of injury or illness, or if the officiant does not show up.
Military Leave Withdrawn
You have coverage if the wedding must be cancelled because either the bride or groom is called for mandatory military service.
Other Wedding Insurance Coverage
Also be on the lookout for policies which include coverage for the following wedding specific items:
Wedding Photographs and Videos
If the photographer does not show up, the film is defective, or if the negatives are destroyed or lost, the cost of retaking photos is reimbursed.
Wedding Gift Insurance
The insurance policy should cover the loss or theft of your wedding gifts.
Loss of Wedding Deposits
The policy should also include reimbursement of any outstanding deposits should one of your wedding vendors go out of business prior to the wedding day.
Wedding Jewelry and Attire
If the special attire of one of the attendants is lost or destroyed, or special jewelry is lost or stolen.
Additional Expenses
Blanket coverage for unforeseen, extra expenses incurred to side step the cancellation of your wedding.
Professional Counseling
The Event Insurance Policy should cover the cost of doctor recommended counseling for the bride and groom to deal with the stress of a wedding cancellation.
Timing the Purchase of Wedding Event Insurance
You should buy the insurance as soon as you begin making deposits to wedding vendors. Insurance can generally be purchased as late as two weeks prior to the wedding reception date.
Once you have made deposits to all your vendors (most of which are non-refundable) this type of wedding reception event cancellation insurance can protect your investment by insuring you against unexpected events leading up to your big day.
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