Wedding Insurance

I highly doubt that wedding insurance would cover covid. I don't see the point in getting it unless you're having a destination wedding with a bad refund policy

View Quoted Comment

I know it doesn't cover covid but then I see the venue has insurance so we should be good along with the vendors we already have booked. Also you are paying more money for it, when you cane be using it towards something else for your wedding.

Insurance will not cover Covid. But many venues (even local) actually require it to cover damages from guests and other situations that will not happen but better safe than sorry.

Wedding insurance provides piece of mind in the event your wedding cannot happen for unforeseeable reasons, just like any other insurance. Liability insurance can also protect you from any damage/injury that occurs during your event. What if you or your FH gets into a serious accident and is hospitalized only days before the wedding? What if a parent becomes seriously ill and cannot travel or attend? What if your venue burns down the week before the wedding? What if one of your vendors goes out of business? What if your 9-year old nephew sets the venue on fire? Ok, being extreme there, but there's lots of reasons besides COVID - which as you correctly pointed out would not be covered at all. We purchased insurance for all of the reasons noted above, so that in case of the unforeseeable, we are covered. If your venue is suggesting you purchase insurance, that implies to me that none of the above will be covered under their policy, so you just have to weigh the risk of a small payment now compared to the very slim chance of a huge financial liability later.

View Quoted Comment

Stacey I totally agree with you on the piece of mind. If Covid wasn't around still I would have planned our wedding this year, and I know our venue could have rescheduled for another day, but then we may have not been to have the same date we have picked out. Its so stressful. My FH and I have been talking about this and I would like to buy it, we are trying to contact the wedding insurance place our venue has given to us, but they are never in their office, so we should email them or leave a message for them to call us back. that is so frustrating to not be able to talk to someone, or have thier office hours listed on the paper. This is an extra cost towards our wedding, but I know it will be for the best. Where do you live, and how did you find out about the insurance?

Jen

View Quoted Comment

I know it doesn't cover covid. Our venue is licensed. I also saw there are different types of wedding insurances too, it just depends what you want to buy. Did you buy the insurance then?

If so, which kind?

Jen

Almost all venues in my area require wedding insurance. Those that don't typically only allow elopements or minimonies. Unfortunately it doesn't cover COVID-related things. That's where you'll have to make sure you and the venue are on the same page and that the contract isn't ridiculously skewed in their favor. You can definitely look for insurance before booking the venue, but venues typically require that you list them as additional insured. Obviously, you can't list them if you don't know who/where they are yet. Personally, I would definitely suggest getting it. Yes, it's an extra expense, but it's really a small one in the overall budget. WI typically starts around $100 and then will go up if you have a higher guest count, full bar, etc. Ours was $100 for an estimate of 75 guests with beer and wine. I don't know what your wedding size and alcohol situation is, but if Uncle Bob trips over the arbor, wine glass in hand, you'll be on the hook for paying for a new wine glass and arbor. If your nephews are playing tag on the dance floor and one of them knocks a speaker over and breaks it, you're replacing that. Both of those things individually are more expensive than the wedding insurance. You can also insure your rings and decorations. Ring bearer drops the rings and they roll down a sewer grate? You might not get the rings back, but at least the money won't go down the drain with them! And if your venue suggests that you get it, I would listen to them and get it. That likely means they won't cover your personal things and you'd still be on the hook for paying potential damages. It's a small amount to pay for peace of mind and security.

If it doesnt cover Covid, I dont think its necessary.

Since it doesn’t cover COVID, we skipped it. We figured if something does happen that we can’t have the wedding, we’ll figure it out somehow. The main piece we would lose is the venue but everything else wouldn’t be too big of a loss (catering at local restaurant, bringing own alcohol, transferable deposits)

Agreed @Stacey. It's a small price to pay for covering your butt on the most expensive day of your life literally. Covid is not the only issue going on in the world LOL. I'm going to look into buying it myself, assuming it's even being offered right now. When I checked last March they were suspending writing new policies

Our venue required it. It was fairly inexpensive, so we didn’t mind it. Plus, it protected all involved parties.

Our venue requires it, as do most of the venues we looked at. We were told it falls under event insurance, and if you are a homeowner you can just use your insurance provider to cover the 1 day event. I haven't looked into pricing for it yet, but I was told if you go through a wedding company it can be $300+ but through normal insurance providers it is typically less than $200. It won't cover Covid, but it will cover a myriad of other unforseen circumstances.

Our venue required liability, and the one we chose includes liability (including liquor liability) for not only the wedding itself but the rehearsal and a farewell brunch if we chose to have one. It wasn’t much extra to get a couple other coverages for cancellation/postponement. COVID is excluded, but FH is active duty military and if for some reason his leave got pulled and/or he was suddenly deployed and we had to cancel, it WOULD be covered, which is what mattered to us as that’s not outside the realm of possibility.