If you’re planning your wedding, something you may overlook yet is extremely important is wedding insurance. There’s so much preparation that goes into a wedding, you don’t want to have yet another thing to worry about when it comes to losses and damage. An agent from The Insurance Shop USA of Sandpoint, ID can assist you.
Here are some things to keep in mind when getting this insurance.
Do Your Research and Ask Around
Do you have a family member, friend, co-worker, or neighbor who recently got married and used wedding insurance? If so, you’ll want to get their opinions on different companies as well as recommendations.
In addition, it’s a good idea to check out review websites to get more information about the companies you have in mind for wedding insurance. In most cases, they’ll have endorsements from brides/grooms as well as from reception venues.
What Type of Insurance Do You Need?
There are a few different policy types under wedding insurance. This includes wedding liability and wedding cancelation policies. You’ll want to make sure you can get both Liability or Cancelation individually or together as a package if the company offers this option.
Insurance Isn’t Just for High-End Weddings
Don’t avoid getting insurance for your wedding just because you’re not spending much on it. Whether your wedding costs $10,000 or $100,000, you’ll want protection in place if someone is injured or if you end up needing to cancel it.
Optimal Levels of Coverage
It’s important that you have coverage for a wide range of accidents and issues. Consider the specific risk factors involved (weather, if you’re hiring multiple vendors such as photographers and a catering company, etc.) and explain this to your insurance agent. Examples of scenarios that are covered include theft of your gifts at the reception, severe weather events such as hurricanes, lost or damaged photographs, wedding relocation, and sickness and injuries keeping key wedding participants from being there.
Understand the Terms and Ask Questions
If you’re confused about some of the language in your policy documents or offerings from the insurance company, take the time to ask your agent. It helps to understand everything fully and avoid the headache later on if you expect something to be covered and it isn’t, or the coverage limits are different than you assumed.
Reach out to us at The Insurance Shop USA of the Sandpoint, ID area with your questions and concerns. We’ll help you get the best possible wedding insurance to put your mind at ease so you can enjoy this special time.