Everyone knows some poor bride or groom whose wedding day goes awry, due to forces beyond their control. Whenever we get a hurricane or blizzard, I feel for the couples whose magic day is interrupted. Fear not, bridezillas. Wedding insurance is available to protect against such risks.
Websites such as: www.protectmywedding.com, and www.wedsure.com, allow users to build insurance policies by selecting certain types of coverage:
- cancellation or postponement of the event;
- loss of deposit, photo or video;
- damage to gifts,
- clothing or jewelry; and
- even liquor liability protection.
Premiums range from around $200 to $1,000 depending on coverage selected. Examples of situations covered include:
- costs resulting from weather or illness related cancellation or postponement;
- venues or vendors going out of business, or failing to show;
- unplanned military deployment; and
- my favorite coverage which pays for costs required to “reconvene your wedding party for photos.”
Even honeymoon costs can be covered if travel interruption stems from wedding cancellation or postponement. Runaway brides beware. “Change of heart” coverage is not available. Presumably, due to the risk of insurance fraud by sham weddings.
This article was originally published in the Lowell Sun and is for informational purposes only and not to be relied on as legal advice, in any manner.