Wedding Insurance … Because S#*t Happens

Wedding Insurance … Because S#*t Happens

By Anita Byer, Setnor Byer Insurance & Risk

As COVID restrictions loosen nationwide, people are starting to plan special events. A lot of them, it seems, are planning weddings. According to The Knot, there will be more weddings this year than the national pre-pandemic annual average, with nearly 75% of those engaged in 2021 already setting a date in 2022. With so many deciding to join you in tying the knot, doesn’t it make sense to have wedding insurance? You know, because stuff happens?

Wedding insurance is a kind of special event insurance designed to cover various wedding mishaps. According to Travelers, the most common wedding claims are:

  • Vendor issues (29%)
  • Property damage (19%)
  • Illness / injury (17%)
  • Other (14%)
  • Weather (6%)
  • Special attire (6%)
  • Military deployment (6%)
  • Event gifts (2%)

Wedding insurance policies typically include:

Additional coverages are also available, including liquor liability, lost deposits and Call-to-Duty. Policies can also provide additional insured status, which is often required by event venues. It’s important to choose a policy that matches your wedding plans and financial situation. And, don’t assume your homeowners’ or renters’ insurance policy will provide sufficient (or any) wedding-related coverage.

Remember, when shopping for wedding insurance, pay special attention to coverage exclusions that may be relevant to your situation, such as those relating to pregnancy or other pre-existing medical conditions. Read your policy carefully. Please contact us to get a quick quote for affordable wedding insurance.