Hurricane Irene continues to aim towards New York City, but, what happens if you are a bride with a wedding this coming weekend? Does this hurricane mean your wedding not only has to be postponed, but, you lose all the money you spent too?
Weddings are occasions that brings smiles and joy to most couples, but, every so often something unexpected happens. It might be minor like a member of the wedding party catches a cold and can’t make it or the best man’s airplane is late and he won’t be able to get to the ceremony on time, and, while these things are annoyances, they aren’t tragic. It can also be major, like this weekend’s coming hurricane.
So, what do you do when the unthinkable happens? What if you cancel the wedding because you broke up? What if a member of your immediate family dies right before the wedding? What if someone has a little too much to drink at your reception and gets into a serious accident? What happens in the case of Hurricane Irene?
While no one wants any of these things to happen (even the minor inconveniences), there is a way to help protect yourself – at least financially. Every bride should consider wedding insurance, and, yes it does exist! Wedding insurance can help cover many of the financial headaches that happens should you need to postpone or even cancel your wedding, and, pricing isn’t as bad as you might imagine.
Let’s take a look at a typical Manhattan wedding of $35,000 for approximately 100 people. Let’s say you purchase a liability policy of $500,000 and coverage for a $35,000 wedding, and, let’s assume you are serving alcohol at your wedding reception. Here are some example policy prices:
Wedsafe: $362.00 for coverage
About WedSafe (http://www.wedsafe.com)
WedSafe® is a registered service mark of Affinity Insurance Services, Inc. (an Aon Company) in all states except: AIS Affinity Insurance Agency in NY and AIS Affinity Insurance Agency, Inc. in MN, OK and CA (License #0795465). Underwritten by Markel American Insurance Company – Markel has a rating of “A (Excellent)” from A.M. Best
Protect My Wedding $410 – $500 for coverage
About Protect My Wedding (http://www.protectmywedding.com)
Protect My Wedding insurance is underwritten through Travelers Insurance.
For a few hundred dollars you can help avoid total or partial forfeit of money paid to reception halls, photographers, and, even include wedding guest liability. No couple should be without wedding insurance. Buy your insurance today because you don’t know what tomorrow holds!
This article is a reprint from 2010: http://joltleft.com/wedding-planning-in-new-york/when-the-unexpected-happens-is-wedding-insurance-worth-your-consideration