Your wedding day is one of the most unforgettable days of your
life. The last thing you want is for the event to be remembered because of a catastrophe.
There are countless ways the big day can be wrecked.
The maid of honor gets appendicitis, a plumbing problem floods the
reception hall or guests end up eating Beanie Weenies because the
caterer mixed up his dates.
Even more potential
calamities lurk in today's tumultuous world. Airports closed because of terror
alerts or virus scares could keep key wedding participants from arriving on time.
And several brides and grooms have been shipped overseas to fulfill military service
obligations before they got to say "I do."
Such are the incidents for which wedding insurance
A major investment
Leah Ingram is the author of five bridal
books, including "The Portable Wedding Consultant,"
and countless articles for national bridal magazines.
She says that with the amount of money spent on
weddings (the average is $27,000), getting insurance
is a no-brainer.
average wedding costs as much as a down payment on a house," Ingram says.
"It's a major investment. It just makes sense to get insurance."
she notes, the insurance can do wonders for a bride's peace of mind, especially
with the number of vendors involved and the variety of issues that can't be controlled.
insurance is a well-established product in Great Britain, but it's been available
in the United States for only about a decade. Specialty carrier WedSafe and general
insurer Fireman's Fund are two policy sources. You also can ask your personal
or homeowners insurance agent about special-event coverage.
WedSafe's standard policies range
from $155 to $405. Coverage goes as high as $50,000
for weddings that have to be canceled or postponed.
includes wedding cancellation or postponement if a member of the bridal party
dies, gets sick, is injured or can't come to the wedding because of military service
or the shutdown of commercial transportation. (Pre-existing medical conditions
It also will help pay for the reconvening of
the bridal party for new pictures if the photographer loses the film or it's damaged
at the lab, new wedding rings if they're lost, and replacement of damaged, stolen
or lost wedding gifts.
Even cold feet are now covered.
In 2007, R.V. Nuccio & Associates began offering
"Change of Heart" coverage through Firemen's
Fund. The policy can be purchased by the person
who's paying for the wedding -- not the bride
or groom. In order to get the benefit of the insurance,
the policyholder has to prove that he or she is
the innocent party. The policy costs $26 and covers
up to $25,000 in deposits and expenses.
about her own wedding
Karen and Roger Sandau started WedSafe after
planning their own wedding in 2000. It was supposed to be a small ceremony on
Maui. Before they knew it, the guest list was at 62 people, Karen was sending
"enormous deposits" to vendors hired sight unseen through the hotel,
and hurricane season was on the way.