Wedding Insurance - Reduce the Stress and Worry Over Planning Your Wedding

Wedding Insurance - Reduce the Stress and Worry Over Planning Your Wedding. It's finally here... he proposed! She accepted! Or maybe the other way around! Regardless of who made the first move, there's a "wedding to plan"... decisions to be made, vendors to be booked, venues to choose... shopping to do... the mad preparation begins!

For many people, "planning a wedding" is probably much like embarking on a college education: there's a lot more to it than people think who haven't already been through it before. It's more than planning a party; there are some pretty serious emotions involved -- all around. It can be highly stressful at times. There are ways, however, to mitigate this stress and make this a happy time.

If you want to bypass most of this stress altogether, consider hiring a "professional wedding" coordinator to do all the legwork for you and even absorb much of the logistical stress on the big day itself. A competent coordinator will orchestrate the entire event for you, for a percentage of your total wedding budget. Before you balk at the idea of adding yet another cost onto everything else that must be paid for, realize that "professional wedding planners" often actually save the couple money by knowing how to get certain services for a much lower cost than the general public would pay for the same thing. And since the "wedding coordinator's" fee is a percentage of the budget you've already set, you won't actually be adding another cost. Considering how much work you will be saved, hiring a coordinator may be something that's well worth looking into.

Whether you hire a "professional coordinator" or organize the wedding all by yourself, there are many additional ways to minimize stress. One consideration is event insurance, just in case anything should go wrong. Wedding event insurance is quite comprehensive and can cover a wide range of possible disasters. According to one source, the top five reported claims include:

* damaged wedding attire
* having to re-take the wedding photographs
* having to cancel the wedding due to an illness or bereavement
* caterers not showing up
* loss of wedding rings

While it's never desirable to have to actually use "insurance" and file a claim, it's a good thing to have the policy in place nonetheless. This is the first day of the rest of your married life, and you want it to be as perfect as possible. Whatever you do, don't allow little mistakes or omissions to become calamities. It may not be understood by those who have not been through it, but on your "wedding" day, everything seems so much larger than life -- whether good or bad.

The last thing anyone wants is to have their wedding be remembered as a disaster, and with how much of an expense weddings can be these days, it only makes sense to have some form of insurance. After all, a wedding can cost as much as (or more than!) a down payment on a house, and you wouldn't buy a house without insurance, right? Right! By: Kathyh

Why is wedding insurance so important?

Why is wedding insurance so important?. Nobody planning their big day would like to think for even one second that something could go wrong. A wedding day should be perfect in every way and nothing should get in the way of perfection. However, it's important to be realistic about things. The fact is that things do go wrong, venues can get double booked, dresses can get damaged and florists can go out of business. So, what do you want to run the risk of a small problem completely ruining your day? Choosing not to insure your wedding is a big gamble to take, and is it one that you can afford to take?

Your wedding day should be the happiest day of your life. You have spent weeks, months or even years planning the special day and it is your right to enjoy every last bit of it. No-one ever expects that things can go wrong but the fact of the matter is that things can and do go wrong.

Last year, I read an article about a bride who had been meticulously planning her wedding day. She was super organised and had everything right down the wedding favors all bought, paid for and organised. Everything was all done and dusted months in advance and she ? like many other brides ? was organising a big event on a small budget. Whenever something was on sale, she bought it and stored it to save cost.

Unfortunately, however, she made cutbacks when it came to wedding insurance. This is an area in which so many brides decide to take a gamble and not bother splashing out on something that they probably won't need anyway. But, beware because it could make or break your day as was the case with this poor bride. 4 weeks before her wedding the wedding venue was set alight by some locals. Suffice to say, the entire building including bar area, restaurant area and kitchen area was completely destroyed. Not having opted for wedding insurance, this poor bride not only lost her wedding venue but also her deposit and at such short notice was not able to find a suitable alternative venue.

The story did have a happy ending because a close friend had just purchased a plot of land and a barn. The barn had recently been converted and was lying vacant. Her guests rallied round and between them were able to arrange table linen, chairs, decoration and caterers. However, she did end up having to pay through the nose for last minute caterers not to mention the extra expense of calling her guests to advise of the venue location. Despite the dreadful shock and disappointment of this awful tragedy, she had a fabulous wedding day that all went perfectly. But, you may not be so lucky.

Everyone has a budget to stick to when planning a wedding, but when you are making cutbacks try to weigh up which cut backs are sensible and which ones are just silly.
Nearly every wedding goes perfectly but there are weddings that due to circumstances completely out of anyone's control, where things do go wrong. Best advice is to take out some sort of wedding insurance, even if it only covers the venue, outfits, flowers and photographer. Shop around for the best deal as some wedding insurers do packages from as little as ?50, and this ?50 could be money very well spent!

by: Emily Tanner

Wedding Insurance - say

Wedding insuance. Many couples ask whether or not they should purchase wedding insurance. In my opinion the answer should be an unequivocal "Yes." According to TheWeddingReport.com the average cost of a wedding today is more than $26,000. That's more than some people pay for a car.

You wouldn't purchase a brand new car and not insure it, would you? It just makes sense, then, to purchase a wedding insurance policy that will cover many of your wedding costs if you need to postpone or cancel the ceremony and reception. This type of wedding insurance is crucial especially if your cost of rescheduling the wedding will be very high.

Many couples overlook wedding insurance when planning a wedding because they don't believe they will need it. After all, there is nothing romantic or exciting about wedding insurance and what could possibly go wrong. If you were to ask couples who had their wedding and reception planned in New Orleans before Hurricane Katrina hit, what advice do you think they would give you.

Now a hurricane is an extreme weather condition, but wedding insurance provides coverage for just such a weather event. Wedding insurance, however, will not cover postponement of your wedding due to a rainy day.Once you've selected your vendors and submitted your deposits, you have made a serious investment.

Wedding insurance protects your investment throughout the planning process, and the event itself. Consider these events that are covered in your wedding insurance policy.

*the caterer or your reception venue closes down

*your wedding photographs are damaged or lost

*a family or wedding party member is injured, becomes ill or dies

*lost or stolen wedding rings*

*your wedding attire (if your dress is damaged or fails to arrive) Sorry kids, you're out of luck if either of you get cold feet.

Changing your mind at the last minute is not covered by wedding insurance.Just like any other type of insurance, you can purchase wedding insurance in a number of different policies.

When compared to the cost of the event itself, wedding insurance is relatively inexpensive and as important to your special day as your bridal gown, cake and flowers. Whether you are having a destination wedding or a large wedding in your home town it is a good idea to purchase insurance for your wedding and a small price to pay for peace of mind.

*Financial adviser, Suze Orman has this advice regarding insuring your rings:"Your smartest move is to insure the ring through a floater/rider to your existing homeowner's or renter's insurance policy.

Don't assume that your policy's existing jewelry coverage is good enough. Typically this covers you only if the ring is stolen. By adding coverage through a floater/rider, you will be covered for all risks. If you lose the ring or it's lost in a fire, flood, or other calamity, your policy will kick in. You'll even be covered if the stone falls out and is lost.".By: Sheilah marshall

Wedding insurance

Wedding insurance. Did you know that you can get wedding Insurance? There are companies that will cover your losses, if a major catastrophe should occur. A wedding can cost more than a new car. You insure your car, why not your wedding? If a hurricane prevents your groom from flying in for the wedding, or the caterer goes out of business, and any number of other nightmarish events occur, you can recover the money you have paid out.

What is Wedding Insurance? Insuring your wedding is just like insuring your car, home or business. If the Reception hall burns to the ground the night before the wedding, insurance may help you to recover all of the money you have spent.

What is Covered? Insurance covers a number of things important to having the wedding of your dreams, such as weather, the key people, gowns, rings, gifts and any number of other items. Here are some things and situations that may be covered.

Cancellation costs - Any unforeseen event that forces you to cancel the wedding. A tornado destroys the church, or the photographer doesn't show the bridal salon closes down before your dress is finished, all are situations, which can be covered by wedding insurance for having the wedding on another day, and for such expenses as flowers, the cake and invitations.

Vendors If vendors like the caterer don't show up on the big day, insurance will cover the cost of changing the wedding date.

Illness or Injury You may be covered if the bride, groom, or anyone essential to the wedding is ill or injured and can not attend.

Wedding pictures and videos may be covered if your film is ruined or the photographer never arrives you may be reimbursed if you find another photographer or reschedule the wedding.
Clothes If the Tuxedo or wedding gown are inadvertently damaged beyond repair before the wedding, you can get replacements and your insurance will pay.

Gifts If any of your gifts are damaged or stolen you maybe covered,. Check your policy carefully. There may be a limit for making a claim, such as 7 days after the wedding.
Special Jewelry If your wedding rings are lost, damaged or stolen most companies will cover the insured values of the rings

Military Deployment if either the bride or groom are in the military and are on leave for the wedding and have their leave revoked, insurance may cover the the cost of postponing the wedding. However, if either of them are in the military and not on leave, and are deployed that is not covered.

The average cost of a wedding insurance policy is between $200.00 and $300.00. A real bargain when you consider that most weddings today cost upwards of $12,000. Before you buy insurance, gather all of your receipts, make copies, one for the insurance company so they have figures to work with. Give a copy to your parents to hold and if you have a safe deposit box, store the originals there, .in case you need to file a claim. Read the policy, and make sure you fully understand everything before you sign anything. By: Mary Jane Holmes