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Wedding Insurance


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#11 sosayi

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    Posted 12 February 2010 - 02:04 PM

    Yes, I'm also interested! I'm just starting to look into it, too, and will post anything I find out as well!

    #12 sosayi

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      Posted 12 February 2010 - 02:14 PM

      Yes, I'm also interested! I'm just starting to look into it, too, and will post anything I find out as well!

      #13 bosi

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        Posted 15 February 2010 - 07:24 PM

        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.

        #14 JerseyBride1981

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          Posted 15 February 2010 - 07:49 PM

          Would it be possible to add travel/wedding insurance onto regular auto/home or renters insurance? Just thinking out loud. I think I will check with my carrier and get back to you girls.

          #15 Destination Scout

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            Posted 15 February 2010 - 08:01 PM

            Most insurance agents don't sell wedding insurance. I like Traveler's and WedSafe.

            #16 landwlkr

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              Posted 17 February 2010 - 01:55 PM

              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.....licy022409.pdf

              Wedsafe Sample Policy: http://www.wedsafe.c....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

              #17 inanna

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                Posted 17 February 2010 - 02:10 PM

                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.

                #18 CHAKLIT

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                  Posted 26 February 2010 - 12:35 AM

                  Quote:
                  Originally Posted by landwlkr
                  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.....licy022409.pdf

                  Wedsafe Sample Policy: http://www.wedsafe.c....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! :)
                  I've booked Heather Parker for my photographer for my April 2, 2011 wedding in Ochi Rios, Jamaica. If anyone is getting married in Jamaica days before or after me and is interested sharing her travel expenses to save few wedding budget bucks, let me know. Take a look at her work for Moon Dance...

                  #19 SouthernSweetie

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                    Posted 01 March 2010 - 04:53 AM

                    Thanks Everyone for the advice. I knew about WedSafe & Travelers but not Firemans. I guess I've got more research to do, but this certainly helps!

                    #20 Angel-in-Law

                    Angel-in-Law
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                    • 250 posts

                      Posted 20 March 2010 - 03:43 AM

                      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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