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Wedding insurance might not be something you’ve even thought about, but considering that we are in the middle of a coronavirus pandemic, you might want to. After all, planning a wedding during a pandemic comes with plenty of “what ifs.”
- What if we have to cancel?
- What if the venue closes?
- What if the pandemic gets worse and restrictions prevent us from having a ceremony?
- What if one of us gets sick?
- What if … well, you get the point.
Wedding insurance covers a couple’s investment in their wedding day and reimburses them for expenses they might have incurred. Newly married bride Megan Veneracion said she didn’t even realize wedding insurance was an option. But when the couple lost their downpayment on their San Francisco reception venue, she wished that they had known about it.. For now, they are waiting to see if the venue will be able to refund their down payment once events resume.
So what do you need to know about wedding insurance? It’s pretty simple really.
Most insurance will offer liability and cancellation options. Liability will cover such things as a guest or vendor getting hurt or damage to a venue. Cancellation will most often cover all expenses in case your wedding is called off due to such things as bad weather, a sickness, or a military deployment. Cancellation insurance may even cover the costs of a cancelled honeymoon and damaged wedding gifts. One important thing to note: wedding insurance will NOT cover expenses if you and your partner decide to call it quits.
If you are considering wedding insurance for a pandemic-era wedding, make sure to clarify with your agent whether the insurance will cover you if the cancellation is coronavirus-related.
Wedding insurance varies in price as well. Don’t hesitate to shop around until you find the right policy and right agent for you.
During a pandemic, things change quickly and often. It’s difficult to plan even simple things let alone a traditional wedding. For that reason, wedding insurance might just be a great option for you and your partner. In the end, however, the decision will be different for every couple.