(Closed) Did you get wedding insurance? Should I get wedding insurance?

posted 4 years ago in Logistics
Post # 3
Member
4442 posts
Honey bee
  • Wedding: January 2013 - Harbourfront Grand Hall

@nawella:  I did not.  I was confident in my vendors and their abilities so that took care of most of my concerns.  I think those factors will be different for every person tho, there are plenty of articles you can read online to consider everything for yourself:

 

http://wedding.theknot.com/wedding-planning/wedding-problems/articles/wedding-insurance-101.aspx

 

http://www.huffingtonpost.com/jason-alderman/should-you-buy-wedding-insurance_b_1522296.html

Post # 4
Member
1359 posts
Bumble bee
  • Wedding: October 2012

I decided not to. The only reason I was considering it in the first place is because my mom fell very ill, and I was worried we’d have to cancel or change the date last minute. However, DH and I ended up agreeing that if my mom was too sick to come to the wedding (or worse), we would have a small ceremony at my parents’ home ahead of time and still go on with the big wedding in the fall.

Really, it’s hard to think of other reasons to have insurance unless you think there’s a reason you may need to cancel or move the date. We already had contracts with our vendors to legally protect us in case services promised were not provided. Well…unless you would consider liability insurance to be wedding insurance, which you need for certain venues.

Post # 5
Member
371 posts
Helper bee
  • Wedding: August 2013

@nawella:  were not getting.  I agree with the other posts, unless youre worried about changing the date, I feel it’s a money grab

Post # 6
Member
882 posts
Busy bee
  • Wedding: September 2013

@nawella:  The main reason we considered wedding insurance is because we would be serving alcohol and didn’t want liability issues, however, our caterer is insured and is in charge of serving alcohol so we have decided not to purchase any.

However, if I had anyone who was important to me that has serious health issues or if I lived in a region where severe weather would be a risk, I would probably seriously consider purchasing some.

Post # 7
Member
3583 posts
Sugar bee
  • Wedding: September 2013

We have to have liability insurance for our venue so we’ll just be getting that.  It’s to cover any damages that (hopefully won’t!) occur to the venue during our event.

Post # 8
Hostess
7564 posts
Bumble Beekeeper
  • Wedding: January 2013

I thought about it since we had a winter wedding. In the end my vendors’ contracts made me feel comfortable enough that I didn’t need it. 

Post # 9
Member
188 posts
Blushing bee
  • Wedding: September 2013

Is wedding insurance and liability insurance the same? I though we’re talking about two different things here, but the last few comments left me confused.

 

Post # 10
Member
6207 posts
Bee Keeper
  • Wedding: August 2013 - The Liberty House

I am not getting it. My venue had a wedding the week of hurricaine sandy and did it in the dark because they had no power. I’m pretty sure they will come through, and I’m not worried about any other vendors/ changing my date

Post # 11
Member
6149 posts
Bee Keeper
  • Wedding: September 2012

We were required to get liability insurance for our venue, but did not get any other coverage.

That being said, I do reccomend WedSafe to my couples, because we’re a resort/beach area here and the threat of hurricanes is always an issue. 

Post # 12
Member
4442 posts
Honey bee
  • Wedding: January 2013 - Harbourfront Grand Hall

A few people have mentioned getting it to cover a family member’s illness, from what I’ve seen it only covers if you (the bride) or DH are sick on your wedding day — am I wrong?

Post # 13
Member
781 posts
Busy bee
  • Wedding: September 2013

Our venue is requiring it. We checked our home insurance first but they wouldn’t cover it. We’re going to use wedsafe as it was recommended by our venue and pretty cheap.

 

Post # 14
Member
490 posts
Helper bee
  • Wedding: May 2014

My friend told me that she got wedding insurance. She also said she spent $50K on her wedding and that insurance only cost something like $500 when she got married to protect against the crazy of the crazy situations like natural disasters. When you think of it like that I guess it makes sense but I didn’t even know that wedding insurance was a thing until two weeks ago when we went out to lunch to talk about wedding planning stuff!

Post # 15
Member
3 posts
Wannabee

@pumpkincheesecake, there are two types of wedding insurance – wedding cancellation insurance and wedding liability insurance.

Wedding Cancellation insurance covers lost deposits if you are forced to cancel or postpone your wedding because of an immediate family member’s illness, a natural disaster like a hurricane, or if a vendor suddenly files for bankruptcy.

Wedding Liability insurance protects you if you hard held responsible for property damage to your venue or injuries if someone happens to get injured at your wedding (like if grandma slips, falls and breaks her hip on the dance floor).

Markel Event Insurance is also a good option to check out to learn more – http://www.markeleventinsurance.com.

Post # 16
Member
59 posts
Worker bee
  • Wedding: July 2013

We were required to purchase liability insurance for our ceremony location.  I would have never purchased it otherwise.  I used http://www.wedsafe.com and it seemed pretty reasonable.

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