This coverage reimburses you for theft or damage of pricey wedding-related items. Event gifts, special jewelry and special attire Being unhappy with the results would not be reimbursable. However, this coverage does not cover cases where the quality of the product does not meet your expectations. This includes situations where the vendor forgets to load film in the camera, leaves the lens cap on or forgets the camera's battery or memory card. Media coverage reimburses you for any payments you made to the photographer or videographer if they don't show up, cancel at the last minute or the film or negatives are damaged before you receive copies. If it would cost less to pay for these added expenses than it would cost to cancel/move the entire event, your event insurer will reimburse you for these additional costs under extra expenses coverage. Extra expenses coverage protects you if you need to find a different vendor, buy replacement items or even make alternate plans. You may be able to avoid cancellation altogether by adding extra expenses coverage to your wedding event policy. It's also possible for you to use the extra expenses portion of your policy to pay for a new vendor. Vendors: If a caterer, vendor or officiant doesn't show up or cancels, you may be forced to change plans.Wedding insurance policies identify key participants such as the wedding party, the married couple's immediate family or other active participants. Key persons: If a key member of your wedding can't come due to an involuntary absence, such as illness, injury, military deployment or severe weather-related issues.Venue: Any event that might change the usability or availability of the venue - for example, if a fire or accident happens at the location that makes it unusable for your wedding.Valid reasons for cancellation or postponement This includes things like deposits paid, transportation, catering services, property rentals, hotel accommodations, travel arrangements for your honeymoon, special clothing or jewelry, and other services tied specifically to your wedding. Cancellation or postponement coverageĬancellation or postponement insurance is the broadest form of coverage and will cover your financial losses for nearly every aspect of your event if you are forced to cancel. Wedding insurance covers many of the most common things that could go wrong at a wedding, like a no-show vendor or a guest taking a bad fall on the dance floor. Base the amount of coverage you need on your budget for each item. Your choice of coverage level is the biggest factor in the cost of coverage. All other limits are generally between $1,000 and $10,500. Additional expense coverage limits range from $1,500 to $35,000. Limits for cancellation and postponement coverage range from $7,500 to a maximum of $175,000.
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