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Tuesday, June 26 2012
Wedding insurance allows couples to recoup their money in the event things don't go according to plan-including the death, illness or serious injury of a key participant or if the officiator, caterer or photographer doesn't show up.
Most also cover weddings outside the U.S. but policies differ on which countries qualify.
Prices range from around $100 to $500. It's best to buy a policy as soon as you begin booking, but no later than 15 days before an event, otherwise weather-related issues may not be covered, says Robert Nuccio, who runs the provider of the Fireman's Fund wedding insurance.
Basic policies cover liability and cancellations. For a 150-person August wedding in California, for instance, a basic policy from Fireman's Fund, covering up to $1 million in personal liability and $5,000 in cancellation costs, runs about $160 with a $25 deductible. You can buy additional coverage for, say, gifts, wedding attire, photos and videos.
There may be limitations and exclusions. And only one insurer, Fireman's Fund, offers coverage in the event the bride or groom gets cold feet. Also, first see whether the vendor or facility you are using already provides insurance.
Check with the Insurance Information Institute (iii.org) to make sure the insurer is licensed to do business in the state where you live.

Glazer, Emily. "Insurance for Nuptials." The Wall Street Journal. 17 March. 2012  

Posted by: DeCarl, Levine & Friedman, LLC AT 02:06 pm   |  Permalink   |  Email
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