(Closed) Wedding Insurance?

posted 8 years ago in Legal
Post # 3
Member
433 posts
Helper bee

I looked into it because we had the wedding at a private home and wanted the homeowner to be covered in the event of alcohol related accidents after the wedding. 

I think I looked at wedsafe.

Post # 4
Member
439 posts
Helper bee

We are getting married on Fi’s parents farm, so we will be getting insurance just for the day of.  Not wedding insurance per se, but event insurance in case of any accidents.  They did this in the past when his brother’s band did a concert at their farm.

I don’t know anything about insurance for the day of, though.

Post # 6
Member
548 posts
Busy bee
  • Wedding: November 2011

My venue is requiring me to purchase wedding insurance, but I think it’s more for accidents or anything like that on the day of. I haven’t really started to look into it yet–probably should get on that! They said we could probably get it through FI’s homeowner’s insurance carrier or my renter’s insurance carrier.

Post # 8
Member
548 posts
Busy bee
  • Wedding: November 2011

I think so…or maybe it’s just a separate policy and you’d pay a separate premium for it, but you’d get a discount by going through a carrier you already use for another policy instead of finding a new carrier just for that. That’s really all I know about it at this point!

Here’s something I found on the knot about it: http://wedding.theknot.com/wedding-planning/wedding-budget/articles/wedding-insurance-101.aspx

Post # 9
Member
1184 posts
Bumble bee
  • Wedding: August 2011

i think wedding insurance and liability insurance for an event are two very different things. liability insurance is generally required and you just add it on to an existing policy you have (homeowner’s or renter’s). it covers things such as a guest’s medical payments if they fall down the stairs at your wedding, or if the caterer sets a curtain on fire. wedding insurance covers you for things such as the caterer going out of business, the venue burning down, the groom getting sick and not being able to have the wedding. i think it’s a bit more expensive. not sure but with all this talk of venues cancelling at the last minute, maybe i wil look into it. i guess it depends on how much it costs.

Post # 10
Member
332 posts
Helper bee
  • Wedding: August 2010

For my wedding we had 2 types of insurance:

1. Wedding insurance. PenguinGuy is in the military and we got insurance that would help us recoup our losses on everything if he suddenly got shipped out and we needed to cancel the wedding. Luckily, he didn’t so we didn’t need to use the insurance. It did also cover losses due to natural disaster, venue closing and that sort of thing.

2. Our reception venue was a museum. The museum required us to get insurance in case anything happened to the art work or a guest during the reception. Again, we lucked out and everything went smoothly.

Both insurance policies were able to be added through my parent’s car insurance carrier. It really depends on who your insurance carrier is and whether or not they offer these options. I am a fan of the insurance because a lot can happen and it is nice to have your back covered.

Post # 11
Member
1927 posts
Buzzing bee

We got cancellation insurance and liability insurance through wedsafe.  We didn’t have to actually make a claim so I can’t speak to that but we were really happy with the coverage, and it was really cheap.

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