Why Do I Need Wedding Insurance?

Why Do I Need Wedding Insurance?

July 14, 2023


With 278,599 weddings held each year, it is clear to see that needing to insure your wedding is important. But let me just say it is probably one of the most important things you could do when planning a wedding. But if you’re unsure of why you need wedding insurance, you’ll understand shortly. 

Some might argue that your wedding day is the most important day of your life. You end up spending copious amounts of money and plan years in advance. However, we live in a world where not everything goes to plan, and that is where having wedding insurance is useful. 

Wedding insurance protects you financially if something goes wrong leading up to or on your big day. This includes anything from a natural disaster to a vendor cancelling at the last minute.

Reasons to Take Out Wedding Insurance

There are so many reasons why wedding insurance is beneficial. Ultimately, you want to be able to ensure that things run as smoothly as possible. Here’s why: 

Why Do I Need Wedding Insurance?
The beautiful wedding couple is enjoying their wedding | Image Credit: depositphotos.com

To safeguard against inclement weather

This is especially important if you are planning an outdoor wedding. The risks with this include having to re-schedule if the weather does not comply or moving your whole event indoors. Wedding insurance assists with covering the costs included in either one of those two. 

For those last-minute vendor cancellations

Ideally, you never want to have to deal with this situation, especially if it’s your photographer or caterer! However, sometimes these things can’t be helped. If a vendor has to cancel last minute due to a family emergency, your wedding insurance will cover this. Insert a huge sigh of relief here…

The wedding insurance will help cover the costs of needing to hire a replacement vendor, including any additional expenses that tag along with this. 

Medical emergencies

If someone gets injured or sick on your wedding day, your wedding insurance will cover it, including the cost of ambulance rides, hospital stays, and doctor’s visits. Are you sold yet? 

Damage to Property

Similarly, with the inclement weather risk, you will be covered if there is a flood or fire on your wedding day. This is specifically aimed at any damages to your wedding venue but also includes your wedding dress, any belongings of your guests and the costs of repairing the venue. 

Tips for Choosing Wedding Insurance

You’re probably overloaded with information by now, so here are a few tips to help you choose the best wedding insurance. 

Why Do I Need Wedding Insurance?
Beautiful wedding couple on their winter wedding | Image Credit: depositphotos.com

Shop around

Compare quotes from different insurers to get the best deal for your wedding insurance. You want to make sure that you feel comfortable with the price you will be paying. 

Read the fine print

Make sure you understand what is and is not covered by your policy. Ask as many questions as you need in order to understand the agreement you are getting into. 

Get quotes from different levels of coverage

You may not need the most expensive plan, but you also don’t want to be underinsured. So do a lot of research before agreeing to a certain level of coverage. 

Start shopping early

Make sure you start looking early for the best wedding insurance with Protect Your Family to ensure that you can afford it and that it is worth your while.

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