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If You Can’t Afford a Second Party -- Get Insurance
- Cancellation or postponement -- If a natural disaster such as a firestorm, flooding, blizzard, ice storm, tornado, earthquake or volcanic eruption prevents the rehearsal, rehearsal dinner, wedding or honeymoon from taking place, the cost of rescheduling the event will be covered. Coverage is also available if the bride, groom or someone else in the wedding party gets sick or injured; if there is damage to the wedding attire or the place where the ceremony is to be held; and if someone key to the event like the caterer or priest fails to show up.
- Additional expenses -- This coverage will pay for expenses associated with arranging alternative services to avoid a covered cancellation or postponement of the wedding or reception.
- Photographs -- This coverage actually pays to reshoot the event should the photographer fail to appear, if the negatives are lost, stolen or damaged, or if the photographer is nowhere to be found 6 weeks after the event date. The policy will pay to fly or drive the wedding party back to the event location, put them up in a hotel, feed them, redress them, re-rent the facility, rehire a photographer, buy a new cake, buy new flowers, reshoot the event, then drive or fly the participants home.
- Gifts -- this coverage is intended to protect you against damage, theft or loss of your wedding gifts.
- Rental property -- if you are renting chairs, tables, or tents for the wedding, this coverage will pay the replacement cost if something gets lost, stolen or damaged.
- Special attire -- if your wedding gown or the attire of attendants is lost, damaged, or stolen, this coverage will provide for repair or replacement.
- Jewelry -- this coverage allows you to repair or replace jewelry when it is lost, stolen or damaged.
- Personal liability -- The majority of banquet halls require party hosts to supply them with liability coverage, including Host Liquor Liability. “This isn’t always spelled out very well so make sure you read your rental agreement carefully,” says Nuccio. “I’ve had clients find out they need it at the very last minute, and it’s more expensive to acquire on very short notice.”
“A misfortune not covered in a wedding insurance policy is cold feet. That’s a known circumstance,” says Nuccio. “We don’t cover changes of heart.”
Weddings aren’t the only social events eligible for celebration coverage. Policies can also be bought for bar mitzvahs, anniversaries, birthdays, engagements, and baby showers. For more information, call (800) ENGAGED.
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