(Closed) Wedding Insurance

posted 10 years ago in Money
Post # 4
Member
2030 posts
Buzzing bee
  • Wedding: December 1969

We used wedsafe. We purchased the Event Cancellation Policy. They are recommended by Suze Orman. They have a website at http://www.wedsafe.com

Post # 5
Member
179 posts
Blushing bee
  • Wedding: August 2008

Are you talking wedding insurance or event liability insurance? I’m getting event liability insurance for the wedding – sort of if someone gets hurt and they sue you insurance.  I have a feeling (though I haven’t been told) its going to be required for the ceremony site. I’m getting that through my regular insurance company (State Farm) as an add owner to my homeowner’s and it was really cheap $35 (let me know if you want the coverage amount at least $100,000 though and I know I could have gotten more).

 

I looked at wedsafe.com for actual wedding insurance that covered vendor’s not showing, etc. but I decided against it.  I think it was $200-$500 depending on size, etc.   I think the wedding insurance might be valuable if you know you might have issues – military leave, sick relatives, are paying vendors large amounts.  I kinda decided that these weren’t high likelihood events and while I’d be sad if the day got messed up, money wouldn’t fix it too much.

Good luck – I can’t wait to see what others say. 

Post # 6
Member
78 posts
Worker bee
  • Wedding: February 2008

I called our insurance agent for our house.  Call whomever your ring is insured with (assuming it is).

I had an inclusive policy based on the amount of the wedding.  It covered cancellations due to weather, change of heart (hee hee), vendors not showing, sickness or other reasons a close family member not being able to attend, lost gifts, clothing issues, and it also had some liability insurance added in (although I still made the one vendor that wanted it to be our responsibility waive that requirement).

It was super inexpensive considering it covered everything, so with a winter wedding we felt it was a good deal. 

Post # 7
Member
15 posts
Newbee

I talked to an insurance agent (a friend) who said that no policy she could have written for me would be better than what I could get from wedsafe.  We haven’t gotten it yet, but will be getting wedsafe’s event liablity insurance (our venue requires it).  Our homeowner’s couldn’t write the policy because the wedding isn’t in our state. 

Post # 8
Member
75 posts
Worker bee
  • Wedding: August 2014

Wondering why venues require you to have liability insurance??

Post # 9
Member
4046 posts
Honey bee

Sister’s wedding – last May. Pennock, through our parent’s homeowner’s agent.  (Parent’s  hosting/their names on venue contract). $306 for 225 guests, including $50 liquor liability. The contract was quite long and detailed and claimed that hosts were responsible if venue was damaged by guests. Venue also weren’t resposible if an intoxicated guest got hurt, through their own negligence. (Haven’t put in a policy request, for my wedding yet).

Post # 10
Member
4046 posts
Honey bee

From sister’s wedding – last May. Pennock, through our parent’s homeowner’s policy agent.  (Parent’s  hosting/their names on venue contract). $306 for 225 guests, including $50 liquor liability. The venue contract was quite long and detailed and claimed that hosts were responsible, if venue was damaged by guests. Venue also wasn’t resposible if an intoxicated guest got hurt, through their drunken actions. (Haven’t put in a policy request, for my wedding yet).

Post # 11
Member
784 posts
Busy bee
  • Wedding: May 2014

Our liability insure is wrapped up in our vendors. 

@SavesAnimals:  If you are having your wedding at a private residence, you may need liability insurance.  This will protect you if someone drives drunk from your party and gets in an accident.  It will also protect you if one of your guests or vendors seriously injures themselves.

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