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SouthernSweetie

Wedding Insurance

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I got both wedding and travel insurance. Both would cover all the things that could go wrong at the wedding including illness, weather.

It was great for my piece of mind I can tell you.

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I am currently looking into 3 wedding insurance providers: Wedsafe, Travellers and Fireman's Fund. I am still trying to research the pros and cons of each, since they are not all exactly the same coverage.

 

Before you send in any money, make sure you READ THE POLICY. This, I am finding, is not as easy as it sounds since you have to really dig into each website to see the policy.

 

Here are a few links for you:

Fireman's Fund Sample Policy: http://www.rvnuccio.com/pdfs/rvnucci...licy022409.pdf

 

Wedsafe Sample Policy: http://www.wedsafe.com/pdfs/wedding-...ple-policy.pdf

 

These policies protect you in a different way than travelers insurance. For example, if your photographer goes out of business after the wedding and never sends you your photos, travelers insurance will not likely cover that loss. If a vendor bails on you on the morning of the wedding, travelers insurance may not cover that type of loss.

 

But, like I said, not all policies and coverages are created equal, or are exactly what they seem. Firemans "cold feet" coverage (where the cost of the wedding is recovered if YOU or your FI cancel the wedding for change of heart reasons) is only redeemable if someone other than you or your FI are funding the wedding and buying the policy.

 

Travellers only calls "immediate family" your children and parents, wedsafe and firemans also incorporate siblings and grandparents into that definition.

 

My good friend just had her entire wedding blown to bits by one of the recent blizzards-- thankfully she was covered and got almost all her costs back. But again, read the policies so you know exactly what you are buying.

 

Good Luck!

Terra

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YES! I highly recommend wedding insurance!!!!

 

See landwlkr's post for the reasons to choose wedding insurance instead of/in addition to travel insurance.

 

The week before our wedding a hurricane (Hurricane Ida) was moving through the Gulf of Mexico and it was very uncertain where it would hit. The Florida Keys were definitely at risk. We were nervous wrecks! The one and only thing that gave us comfort was the fact that we purchased $25k in wedding insurance coverage through WedSafe. The hurricane didn't end up hitting the Florida Keys, so we were fine and everything went off without a hitch - weather was gorgeous and all of our vendors showed up and did an excellent job. BUT, I still am so glad we had wedding insurance for the peace of mind.

 

Since our wedding was at a private estate we also got liability insurance (also through WedSafe). The fact is, fires and accidents occasionally do happen during wedding receptions. Liability insurance protects you just in case an accident happens and someone decides to sue you. Also make sure your vendors have liability insurance. We paid around $400 total for $25k in wedding insurance coverage and $1 million liability insurance coverage. Some of the best money we spent.

 

Although insurance is a wise decision for any wedding, I see a lot of brides on this forum who are having their weddings in the Caribbean during hurricane season (generally June 1 - November 30th). I think it would be very, VERY unwise to not have some type of insurance if your tropical wedding falls between these dates.

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Quote:
Originally Posted by landwlkr View Post
I am currently looking into 3 wedding insurance providers: Wedsafe, Travellers and Fireman's Fund. I am still trying to research the pros and cons of each, since they are not all exactly the same coverage.

Before you send in any money, make sure you READ THE POLICY. This, I am finding, is not as easy as it sounds since you have to really dig into each website to see the policy.

Here are a few links for you:
Fireman's Fund Sample Policy: http://www.rvnuccio.com/pdfs/rvnucci...licy022409.pdf

Wedsafe Sample Policy: http://www.wedsafe.com/pdfs/wedding-...ple-policy.pdf

These policies protect you in a different way than travelers insurance. For example, if your photographer goes out of business after the wedding and never sends you your photos, travelers insurance will not likely cover that loss. If a vendor bails on you on the morning of the wedding, travelers insurance may not cover that type of loss.

But, like I said, not all policies and coverages are created equal, or are exactly what they seem. Firemans "cold feet" coverage (where the cost of the wedding is recovered if YOU or your FI cancel the wedding for change of heart reasons) is only redeemable if someone other than you or your FI are funding the wedding and buying the policy.

Travellers only calls "immediate family" your children and parents, wedsafe and firemans also incorporate siblings and grandparents into that definition.

My good friend just had her entire wedding blown to bits by one of the recent blizzards-- thankfully she was covered and got almost all her costs back. But again, read the policies so you know exactly what you are buying.

Good Luck!
Terra
Thanks for the observation...I can only do WedSafe & Travellers b/c Fireman's don't cover caribbeans destinations. I need to keep on reading! :)

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I just purchased travel insurance from WedSafe. With the number of deposits I have to make, I wanted to be protected.

 

Additionally, while I am getting married in March 2011 (outside of hurricane season), I wanted to make sure that I was covered in case anything happens to the venue in the 2010 hurricane season. I live in New Orleans, so I've got plenty of experience in seeing what hurricanes (or threats thereof) could do. Small price for peace of mind! :)

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