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Is Wedding Insurance Really Necessary?

May 7, 2008
With any major purchase such as a house or car, we are used to buying insurance to cover it in case something should happen. Many people believe that the same mentality should apply with weddings as well. With costs of weddings constantly on the rise (now close to an average of $30k!), typically more than most people make in a year, they believe that it only makes sense to purchase wedding insurance it to keep from driving yourself into unnecessary expenses or more debt.

Today the decision to purchase wedding liability insurance is yours, and depending on the type of wedding you are throwing, it may not be for you. Here are some things to consider when making the decision on whether or not to purchase a wedding insurance policy.

Your wedding day is supposed to be the happiest day of your life. As I'm sure you're aware though, even with months of careful planning there are still things that could go wrong. While wedding insurance can't always ensure everything will run smoothly and perfectly, it can cover your financial loss in case of a catastrophe. Many couples take out wedding insurance in case of loss of rings or wedding dress, having to postpone the event for any reason (such as a death in the family or a natural disaster), vendors going out of business or not showing up, just to name a few.

If you are spending a large amount of money on your wedding, and it is detailed and heavily dependent on your vendors, you might want to consider looking into a wedding insurance policy. It could just save you a lot of money.

Personally, I did not purchase wedding insurance for my wedding, but then again I didn't know much about it at that time. But then again, I don't know of anyone who has gone to the trouble of purchasing a wedding insurance policy. Our wedding was done relatively inexpensively for a wedding, and much of the work was done by friends and family. The reception was dependent of course on the caterer and other such vendors, but I had never considered the fact that there was a chance they wouldn't show up. I called each of them the day before to verify drop off and arrival times and had a schedule made on their responses. However, if anything had gone wrong, the money that I had paid to vendors would have been lost, and the stress involved with those kinds of last minute situations wouldn't be fun either.

A wedding insurance policy is there for those "just in case situations". Luckily for me, everyone showed up as promised, and everything went relatively smoothly. If you choose to purchase a wedding insurance policy, you should purchase wedding insurance as soon as you start putting down deposits on your wedding dress, reserving your reception location, etc. because at this point you become financially responsible. Be sure to get more than one quote in the same way you would if you were taking out an insurance policies on anything else, in order to get the best deal.
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My wedding help site will get you off to the right start. Find great ideas for Do I Need Wedding Insurance? are just one of many articles, tips and tricks to make your wedding perfect.
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