If you are having an expensive wedding, it is often a good idea to consider purchasing wedding insurance. If, for example, the groom were to be in a serious car accident or if there were some kind of fire that forced the wedding to be cancelled, you would normally bear all the costs. Wedding insurance is something of a loophole in most insurance plans; there’s just nothing to cover it up. If something goes seriously wrong, all the money one would spend that day would be lost and not covered by any standard insurance plan.
Keep in mind that wedding insurance would only apply to things that are out of the control of the bride and groom and only to those things that would directly prevent the wedding, or for something that goes wrong. So, for example, you can’t get any insurance for cold feet. You could get insurance in case something prevents the wedding from taking place, even if it’s strange and trivial, as long as it’s out of your control, like a limo missing for four hours. However, you need to check the type of tragedies that would count. If one of the parents of the bride or groom were to pass away the day before the wedding, for example, this may not count with many policies, so be sure to get details about what counts as “out of their control.”
You can also insure yourself against specific things that could go wrong. For example, if for some reason the dress were to get damaged and you need a last-minute replacement, this could count. Another example is that if gifts are stolen, their value can be replaced. You can even insure yourself in case you are sued for some reason as a result of your wedding (which can happen; you may be liable for the actions of your guests in some cases).
Wedding insurance is not fun to think about, but it is often quite inexpensive and can give you a little more peace of mind. In the event of a disaster, you’ll still have the resources to hold your wedding on another day.