Save the Date… from Disaster?: The Ins-and-Outs of Wedding Insurance
They say that rain on your wedding day is good luck, so that must mean a hurricane is the best luck… right?
Alright, all jokes aside, hurricane season is upon us. You may be one of the thousands of people affected by Hurricane Florence-- and if you are, please stay safe!-- or you may be a veteran of the last two hurricanes to blow through Savannah. Either way, you’re probably well aware of what a disaster trying to evacuate can be. Now can you even imagine having to worry about how you’re going to be able to afford rescheduling your ENTIRE wedding?
Seriously, guys. It’s kinda our worst nightmare.
While nobody’s ever expecting the worst, it’s always a good idea to be prepared. You insure your car, your house, your freakin’ body… so why shouldn’t you insure your investment in one of the happiest days of your life? That’s right, y’all. Wedding insurance is a thing, and there’s more than one good reason (we’re lookin’ at you, Hurricane Flo) you should consider covering your big day.
But does wedding insurance even cover?
Hurricane season lasts from July to November, a time period which just so happens to coincide with the best weather for a Savannah wedding. Luckily for you, most insurance policies will cover your event in the case of extreme weather. It’s not just a nasty storm you’ve got to worry about, either. Flooding, snow storms, tornadoes… nature’s wrath knows no boundaries.
Speaking of the unexpected, accidents happen. You break your leg and can’t walk down the aisle, your hubby-to-be comes down with a bout of pneumonia… as much as we hate to admit it, it is a very real possibility that you could end up in a situation that prevents your big day from going off without a hitch. Need to reschedule? Insurance has got you. Life-saver in more ways than one!
Okay, so we’re not trying to freak you out, because this is highly unlikely, but insurance will also protect you in the case your vendor goes bankrupt and closes up shop. You definitely don’t want to be out for the cost of a venue or a caterer, especially when many vendors require a healthy deposit to start with.
In addition to all of these unanticipated events, some insurance providers may provide coverage for members of the armed forces or first responders. Sometimes, those we love most are must answer the call of duty-- even if it means missing out on their wedding day. USAA is a favored provider for military families who offers special event insurance.
Let’s say your event goes off without a hitch. Woo-hoo! Don’t think your investment in event insurance was wasted… it may just save you yet! Many insurance plans cover you in the case you are found liable for an incident-- whether it be bodily injury, property damage, or liquor-related. Better not to pay out of pocket for a broken window or scorched linens!
When should I purchase wedding insurance?
The answer to this question is tried and true: the sooner, the better. Every company has different policies, so be sure to read the fine print to know when the deadline for purchase is. The industry standard seems to be anywhere from two years up to two weeks before the event. Like shopping for the right dress, there are lots of options, so take some time to decide which features are the best fit for your wedding day.