Post # 1
I’m looking into wedding insurance because we’re having our ceremony and reception in an art museum and our contract puts all liability on us for any damage done by our guests or vendors. Did you get wedding insurance? If so, how did you decide what kind of coverage to get? What company underwrote your policy?
Post # 3
Our site required insurance. Luckily, many homeowner policies allow for an upgrade to cover the event. There was a minimum requirement put in place by our site, so we made sure to meet that (It was like $1 million or something heinously large). It’s covered under his parents’ homeowners, so I’m not sure what company it is.
Post # 4
There are actually two different kinds of insurance being confused here. Event/liability insurance is the kind required by a venue, and if they require it, it’s not optional. Wedding insurance is always optional and it coveres things like the cost of reconvening the bridal party at a later date to retake ruined or lost wedding photos, or having to postpone the wedding because the bride is in the hospital. We got both kinds.
Post # 5
I didn’t, and I very much regret it at this point. My father was just diagnosed with cancer, and now I’m losing about $5000 in deposits to move our date. I wish I had looked into it while everything was going well and at least weight the pro’s and con’s.
Post # 6
I don’t have it…although maybe I should be worried that I should get it. Our venue required that our caterer have insurance, which I think covers the in-case-they-break-something clause (the ceremony and reception is in an historic house).
Post # 7
We got the liability insurance that covers the really big issue of "what happens if a guest gets hurt/drives drunk/etc." We had the wedding and reception at family owned locations (i.e. my family would be the ones getting in trouble directly) and we also had people looking out for any problems – but we got it just in case. Nothing happened – which is great – but I sure felt better knowing that if anything did, I wouldn’t be screwing up my family and the ranch!