Safety First

Safety First

March 30th, 2010 @ 2:28 pm by Mrs. Oyster
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An uncomfortable issue, for sure, but one worth talking about: wedding insurance.

The quickest way to get me to have a panic attack is to show me the wedding budget, and compare it to what’s actually in our accounts. Sure, we have plans to save up (a whole schedule, in fact), and we aren’t going into debt for our wedding (hooray!) and we have it all planned out. But you know what they say - God laughs when you make plans!

Safety First : wedding dallas legal Kovelman Panic kovelman-panic

Photo by Marie Labbancz

So, now that we’re about to put down some hefty deposits (therefore committing to pay large amounts), we hope God is not laughing too hard. I’m thinking about wedding insurance.

I first found the idea from our interest in the loft/standalone venues, which require liability insurance. But I started looking into cancellation/postponement insurance. I’ve heard so many horror stories — family tragedies, injuries, accidents, freak tornadoes, job losses, etc… I just hate thinking about it! And on top of that, people are forced to cancel and lose their money?! Most of the time in these situations, it’s up to the sympathy of the vendor whether you get your money back or can use it towards a postponement. I thought it would be worth it to buy a little peace of mind.

Have you considered wedding insurance? Who did you go through?

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16 Responses to “Safety First”

Member

jordynrose (message) 6,351 posts, Bee Keeper

I never even thought about it. I am just going to keep on and hope for the best!

3/30/10 @ 3:17 pm (reply)

Bee

Miss Trail Mix (message) 6,308 posts, Bee Keeper

I’m really glad you wrote this bc it reminded me to email our insurance agent about our wedding insurance! Our venue requires it, which is annoying, but at least it lowers my stress level somewhat!

3/30/10 @ 3:23 pm (reply)

Member

rawrkitty1022 (message) 516 posts, Busy bee

I have been considering this for several months now. It seems like a lot of money - especially if you don’t end up using it! That money could have gone to something useful. BUT if you do need it, it will be a lifesaver and well worth it. A very wise decision. I think I will end up getting it. I think of it this way: I have never and will never travel overseas on vacation without travel insurance…why would I do the same to my wedding?

3/30/10 @ 3:25 pm (reply)

Member

ChiDIY (message) 184 posts, Blushing bee

This is going to sound so dumb: what does it insure?

3/30/10 @ 3:34 pm (reply)

Bee

Miss Oyster (message) 879 posts, Busy bee

It’s not dumb at all!

From what I remember, it usually gives you liability protection at the venue (if someone gets drunk, falls, and sues you), and can also kick in if something catastrophic happens that derails your wedding, like if a vendor doesn’t show up, the flowers fall off the truck, etc…. I believe it can also help reimburse you or pay for postponement if something awful happens, like if you or a close relative gets sick.

3/30/10 @ 3:42 pm (reply)

Bee

Miss Hamster (message) 4,045 posts, Honey bee

Wow, good to know - thanks for the heads-up! We currently have the “required” insurance, but not much more than that; may have to check into this.

3/30/10 @ 3:44 pm (reply)

Bee

Miss Cardigan (message) 8,645 posts, Bee Keeper

I hadn’t thought about this! I think it’s a really smart idea!

3/30/10 @ 7:21 pm (reply)

Bee

Miss Socks (message) 1,323 posts, Bumble bee

It’s definitely crossed my mind, Oyster! How much does it typically cost, do you know?

3/30/10 @ 7:47 pm (reply)

Guest

Miss

See my blog post about wedding insurance:

http://fabulousandthecity.blogspot.com/2009/12/wedding-insurance.html

3/30/10 @ 9:23 pm (reply)

10.

Bee

Miss Giraffe (message) 4,216 posts, Honey bee

Hmm - I never thought about it

3/30/10 @ 9:24 pm (reply)

11.

Bee

Miss Snow (message) 916 posts, Busy bee

My mom just asked if we were getting it yesterday! She saw some news report about a bridal salon that had gone out business with a name very close to where we bought my dress, and after our venue burning down, I think she started to get worried…

We haven’t purchased it since we’re so close, but I can see it being a good idea…

3/30/10 @ 9:56 pm (reply)

12.

Member

mrspaetz (message) 3,805 posts, Honey bee

wow that’s interesting. We DIYed most of our stuff and went with small, local vendors, so i guess it wasn’t really necessary.

3/30/10 @ 10:15 pm (reply)

13.

Member

promised2day (message) 14 posts, Newbee

Since we’re on our 4th wedding date and paying for everything ourselves, I got wedding insurance through WedSafe. Really the only time it doesn’t cover you is if one of you has a change of heart, otherwise it sounds pretty awesome! It totally put my mind at ease before we paid some rather large deposits. I paid under $300 for a limit up to $25,000! =) I can breathe easy now.

3/31/10 @ 1:51 am (reply)

14.

Member

alivoo01 (message) 2,622 posts, Sugar bee

I didn’t think about wedding insurance… hrm…

3/31/10 @ 10:52 am (reply)

15.

Member

el0624 (message) 205 posts, Helper bee

Our venue doesn’t require liability insurance, but I think we’re going to get it anyway for our piece of mind. What if a guest breaks something?! Accidents happen! (especially when alcohol is involved) From my brief research so far, it looks like wedsafe is a big insurer.

4/1/10 @ 12:37 am (reply)

16.