(Closed) Did you buy wedding insurance?

posted 10 years ago in Money
  • poll: Did you buy wedding insurance?
    Yes, and it covers everything including the kitchen sink. : (3 votes)
    18 %
    Yes, but it just covers the biggies (e.g., vendor cancellation, general liability). : (2 votes)
    12 %
    Nope, I'm going with the cross your fingers and pray option. : (12 votes)
    71 %
  • Post # 3
    Member
    7081 posts
    Busy Beekeeper
    • Wedding: July 2009

    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
    Member
    2030 posts
    Buzzing bee
    • Wedding: December 1969

    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
    Member
    226 posts
    Helper bee
    • Wedding: June 2010

    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
    Member
    796 posts
    Busy bee
    • Wedding: April 2009

    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
    Member
    38 posts
    Newbee
    • Wedding: July 2007

    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!

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