Recently engaged? Congrats! Now comes the fun part: planning your dream wedding. Between choosing a venue and picking out wedding rings and everything in between, there’s a lot that goes into planning a wedding. But one of the aspects of planning your big day that you won’t want to overlook is that of purchasing event insurance coverage to protect you from unexpected disasters.
What Event Insurance Covers
There are lots of ways in which having event insurance for your wedding day can give you added peace of mind and protection. Generally, event insurance for a wedding will cover:
- your wedding venue
- cancellation due to weather
- vendor no-shows
- bride or groom illness
For example, if there were to be a fire at your wedding venue the night before the big day and the wedding was unable to take place there as a result, your event insurance would cover the costs associated with this loss. Or, if you or your partner were to become ill the day of the wedding and had to postpone, your event insurance policy could kick in and cover the expenses related to this.
Costs of Event Insurance
If you’re thinking about buying event insurance for your big day, you may be wondering what type of money you should expect to shell out for this type of coverage. Many are pleasantly surprised to see just how affordable event coverage for a wedding can be; for up to one million dollars worth of coverage, you’ll typically spend between $100 and $550 for wedding event insurance. Of course, this will vary depending on the amount of coverage you need, based on the size of your event, the location, and even the time of year it’s taking place.
What it Might Not Cover
While event insurance covers the majority of disasters that could (but hopefully won’t) happen on your wedding day, you should also be aware of what your policy might not cover. For example, most policies won’t cover costs related to a wedding that’s called off due to a change of heart by the bride or groom—otherwise known as “cold feet.” You’ll also want to check to see if your wedding rings and engagement ring are covered in your policy, as some policies may not cover jewelry and others may only cover the wedding rings.
When You Need it For Your Wedding
To figure out whether you need event coverage for your wedding, start by asking for copies of your vendors’ insurance policies—especially for your reception and ceremony venues. If they already have adequate coverage in place, you certainly don’t want to pay for overlapping coverage. Still, there’s a good chance you’ll want to purchase at least some type of event coverage for your big day, as you simply never know what kinds of catastrophes could take place! By having event insurance in place, you’ll be able to enjoy added peace of mind when it comes to planning all those major details of your big day!
For a quote on event insurance for your wedding or any other big event you’re planning, contact Spickelmier Insurance. We have serve countless cities in the Jacksonville and St. Augustine areas, and because we are an independent insurance agency, we can shop the market on your behalf to find you the best deals available. Contact us today for a free quote!