Haiti Disaster sparks Destination Brides to Seek Wedding Insurance
Haiti Disaster sparks Destination Brides to Seek Wedding Insurance
This past week’s unforeseen catastrophic event in Haiti inspired me to want to enlighten the many couples planning weddings around the world, that there is Wedding Insurance available to help you with unexpected events. There are several factors outside of your control that can greatly affect or even postpone your wedding day. Extreme weather or other natural disasters, unexpected military deployment, lost rings, family illness, and stolen wedding gifts are just a few of the items that can be covered in your wedding insurance policy. Below is information as to what wedding insurance can do for you and how it can give you the peace of mind that you so deserve on your special day.
What is wedding Insurance and what is the cost?
By Purchasing wedding insurance it protects the couple’s investment from conditions beyond their control and it reimburses expenses invested into your wedding planning. The cost of wedding insurance commonly begins with a one-time premium of less than $195, with a number of the coverage options. A basic insurance policy that covers loss of attire, video, photo, gifts, deposits and rings, usually costs anywhere between $195 to $575, depending on the amount of coverage you want. General liability insurance, which covers up to $1,000,000 for accidents, costs around $245. Naturally the higher limits and additional coverage options are available with only average increases in the premium. The sooner you purchase your wedding insurance the better. Don’t wait until the last minute as some insurance carriers have restrictions as to when the insurance can be purchased.
Here are Two Types of Wedding Insurances that are currently offered by wedding insurance companies:
Wedding Liability Insurance
Most venues and resorts require the couple to obtain a liability insurance policy that will protect not only the bride and groom, but the reception or ceremony site as well. Liability insurance protects against damages to property or injuries to attendees or contracted vendors. Alcohol hosting should be covered as well. A good wedding consultant will carry general liability insurance that is usually good for $1,000,000. Ask your consultant if they carry wedding liability insurance and ask them to place you as additionally insured for your wedding day.
Wedding Cancellation and Postponement Insurance
In the event of a cancellation or postponement, the loss from non-refundable deposits can be overwhelming. Wedding cancellation or postponement insurance protects deposits and can even cover non-recoverable expenses equivalent to the total expense of the wedding. This policy can also cover lost or stolen wedding items.
Please note that no insurance company will cover a simple change of mind.
Most insurers make combination offers that provide all types of coverage in one policy. Cost is based on the total wedding budget expense. A wedding that is expected to cost about $30,000 would require a policy that would cost about $500 to cover all insurance needs.
A good example happened recently to one of our clients. The Mother of the Bride franticly contacted us two weeks prior to the wedding to say that they were in dire need for a wedding planner to assist in relocation of the event. The couple had contracted a local mansion that came with a package that included floral, décor, minister, DJ, sleeping rooms and catering. Come to find out the home went into foreclosure and the landlord never notified the couple. My first question to the client was, “Do you have wedding insurance?” The mother replied “No” and asked “what is that?” I shared the information that is included in this article and she was amazed to find out that something like this was available to her the entire time throughout the wedding planning process. The couple was happily wed and the wedding went off without a hitch though, the Mother of the Bride is still battling to get her deposits back from the property manager and owner. Think twice before disaster strikes!
What could possibly go wrong?
- The musicians fail to show.
- The wedding presents are stolen.
- The honeymoon accommodations are lost.
- Someone gets hurt at the event.
- A family emergency requires wedding day cancellation or postponement.
- The wedding cake is dropped.
- The rings are lost.
- The store or seamstress loses the bridal gown.
- The tuxedos are double rented.
- The limousine has a flat tire or breaks down.
- The flowers wilt in a broken cooler.
- The caterers forget to order the champagne.
- The photographer’s camera is destroyed with the wedding photos inside.
- The wedding or reception venue goes out of business.
- The wedding favors don’t arrive.
The most effective wedding insurance is careful planning. One thing every couple should adopt is “get it in writing.” Time after time a despairing bride can be heard saying, “But they said….” Verbal communication is not the best communication. Create a paper trail and get it all down in writing.
Things to Consider
Every insurance policy and every wedding scenario is different. Be sure to talk to your insurance agent and have him explain the nuts and bolts to you. Have a list of questions ready so you don’t forget anything. You want to make sure you and your beloved understand every detail of your policy.
Here are a few national Wedding Insurance carriers:
After reading this article would you allot for wedding insurance in your budget?
Sign me up! This is a great article and very helpful
I agree with Rachel, it would be worth the investment. I would get it.
I didn’t even know that this existed. Better to be safe than sorry.
[...] Here is the original post: Simply Weddings by Brit Bertino [...]
No. Because i feel that everything is to happen for its own reasons. So getting insurance is setting up a failer day. . What about you Brit?
Thank you Abbee, I think that it depends on where I would host the wedding. It covers quite a bit. As a planner we have to hold general liability insurance and I will tell you, it definitely comes in handy!
Good idea, but I won’t need it! I’ve been done that and will NEVER do it again! LOL!
Sounds like something a single guy would buy just in case some girl thinks it’s time to get married!
Hi, just read this blog, very informative.Hopefully I’ll see more of these posts on the net! Can’t wait to read through some more of these blogs…
Hi, I found your blog on msn. I’m pretty gladto have found your blogbecause I think it is informative! Really good content. Ruth
Thank you! I added this page to bookmark)) I think would be useful …
Just found your blog. Great reading! Would be grateful for any other information concerning this topic. Cheers!
I am quite interesting in this topic hope you will elaborate more on it in future posts
Great article I’ve just added to my bookmark list.
Thanks to author a blog, I actually saved a lot of time! I would go again!
Nice post. Thanks for the interesting information!
Hi, I’ve been a lurker around your blog for a few months. I love this article and your entire site! Looking forward to reading more!
thank you! Nice blog!
How you find ideas for articles, I am always lack of new ideas for articles. Some tips would be great
Personally, my impression Question of the Week January 18, 2010 Simply Weddings by Brit Bertino is definitely a well developed message. Most definately worthy of talking about and as a consequence really worth talking about http://simplyweddingsbybritbertino.com/ido/?p=43 in either case. Good luck, Dreama Peels
Many thanks for discussing such an insightful article with all of us. I’ve bookmarked your blog will come back for a re-read again. Keep up the good work.
This was exactly what I was looking for, thanks a lot!
remarkable stuff thanx
You have done a marvellous job by exploring this subject with such an honesty and depth. Thanks for sharing it with us!
Well I been around here for a while and I found what I needed, but the points this post has touched are really amazing, everyone’s trying to either copy or follow the same thing again and again, and most of the time get really hurtled by this. I think this being the first post to really post something out of the box will really help me and many others. I think trying this is really worth. It will not be wastage of time coz in any case this will never harm our campaigns for good serps.
Aw, this was a really quality post. In theory I’d like to write like this too – taking time and real effort to make a good article… but what can I say… I procrastinate a lot and never seem to get something done.
Usually I do not post on posts, but I would like to say that this site really forced me to do it! Thanks, very good post.
This is my third visit to this blog. We are starting a new initiative in the same niche as this blog. Your blog provided us with important information to work with. You have done a fantastic job.
I may maintain a good perspective upon this thread and with luck , I could pick up various extra details!
YES! Great piece, keep up the terrific work. This is the type of information that should gain recognition for it’s craft.
This is my third visit to this blog. We are starting a new initiative in the same niche as this blog. Your blog provided us with important information to work with. You have done a fantastic job.
Just wanted to say I enjoyed the site. You have really put a lot of time into your content and it is just wonderfull!
Very Interesting Information! Thank You For Thi Information!
I liked it.
I liked it, too.
You made tremendous great ideas there. I made a search on the topic and noticed almost all peoples will agree with your blog.
You certainly have some agreeable opinions and views. Your blog provides a fresh look at the subject.
I’ve been visiting your blog for a while now and I always find a gem in your new posts. Thanks for sharing.
Hey, great blog, but I don’t understand how to add your site in my rss reader. Can you Help me please?
You certainly have some agreeable opinions and views. Your blog provides a fresh look at the subject.
You certainly have some agreeable opinions and views. Your blog provides a fresh look at the subject.
plus size quinceanera dress…
In order to pick the best evening gowns and special occasion dresses for bigger ladies…
wow i never thought about wedding insurance..great blog. Some info for any brides ever looking for replacement wedding bands or shopping on a budget.. check out WeddingBandsWholesale.com
I would like to thank you for the efforts you have made in writing this article. I am hoping the same best work from you in the future as well and i have start my own blog now, it’s about http://incentaclick.co.uk/ http://incentaclick.co.uk/ thanks for your effort
I just sent this post to a bunch of my friends as I agree with most of what you’re saying here and the way you’ve presented it is awesome.
Very Interesting Information! Thank You For Thi Information!
You certainly deserve a round of applause for your post and more specifically, your blog in general. Very high quality material
I’m an email subscriber. Credit!
If possible, as you gain information, please add more related content to your blog as I already bookmarked you and I intend to come back. I have found it extremely useful.
Hei, I like this blog, many good information, I want to subscribe it, can anyone help me?