FAQ: Why do we need wedding insurance?

Though you might not want to think about it, disasters can strike your wedding day. From a sudden cancellation to stolen gifts to a damaged gown, wedding insurance can help protect you against the unforseen, and can also afford you great peace of mind. 

Wedding insurance is always a good idea but must for a destination wedding. The price of a wedding insurance policy for a destination wedding varies depending on the amount of coverage. Most policies cover the following:

Weather. If your wedding must be postponed due to bad weather, your insurance should cover the cost of rescheduling. This is especially useful for Florida or the Bahamas during hurricane season. But remember, a few drops of rain isn’t going to qualify. The inclement weather must so bad that your wedding can't be performed or the majority of your guests won’t be able to attend.

Physical injury. If you, your groom, or other essential members of the wedding can't make it due to injury, illness, or death, your deposits should be covered.

Vendors. If any of your vendors don’t come through, you can recover some, if not all, of the costs of rescheduling.

Additional riders
Military. If you or your groom is in the military and one of you is called to duty, all deposits will be covered.

Wedding attire. Should your airline lose your gown or your tux rental store goes out of business, the cost of damages will be reimbursed.

Gifts. Sometimes this is covered by homeowners insurance. If not, this additional coverage will protect against damage or theft.