Wedding Insurance – Better Safe than Sorry

by misskitcat | February 15, 2008 at 12:53 pm

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Wedding Insurance – Better Safe than Sorry

You’ve spent months planning your wedding day; and probably spent
thousands of dollars. Unfortunately, all of your careful planning cannot
protect you from unforeseen disasters. Today, many South Carolina brides and
grooms are considering wedding insurance to protect their investment and give
them peace of mind.

In basic terms, wedding insurance – or
event insurance – covers problems that are beyond your control. Most
coverage includes things like:

Severe weather
Vendor no-show
Lost or damaged wedding bands
Wedding attire
Rescheduling due to military deployment
Illness of family members
and Stolen Gifts.

Cold feet, unfortunately, would not
be covered. Most wedding insurance covers ceremonies and receptions being held in the continental US,
Canada, Puerto Rico or cruise ships departing from ports in those locations.

For an additional fee, coverage can
be extended to include lost or damaged photography, honeymoon cancellation, personal liability
coverage, host-liquor liability or weddings being held outside the continental
US.

Personal liability coverage is
something to consider carefully. For example, if a wedding guest twists their
ankle while doing the Hokey Pokey, they could sue you for medical expenses.
Some South Carolina venues offer liability protection and some homeowner’s
policies do as well.

Before your event, make sure you are
properly covered. Host-liquor coverage protects you from accidents resulting
from the liquor being served at your event. Again, check with your venue and
existing insurance company to make sure you are adequately covered.

Most wedding insurance is reasonably
priced, depending on the amount of coverage you want. Most plans will run you a
one time premium between $150 - $550. Most liability coverage costs only
dollars more and protects you up to $1 million dollars.

Major home and auto insurance
companies are starting to offer event insurance and you may enjoy a lower
premium if you go with your existing insurance carrier. If not, there are
companies online that offer one-time event insurance protection.

You’ve spent a lot of time and effort planning every detail of your wedding day
– but don’t leave anything to chance. Wedding insurance is affordable and can
offer you peace of mind.

If something does come up to disrupt
your nuptials and you aren’t covered – you could end up sending twice as much
as you originally planned.

To learn about Companies offering
wedding insurance in South Carolina, visit www.Insurances.sc.