We don’t usually insure ourselves for birthday parties or holidays, but when it comes to your wedding there is a lot at stake. When working with various, costly, vendors like catering companies and venue sites, you should consider getting wedding insurance before shelling out the big checks. 

How can wedding insurance help us?

In Pennsylvania, the average cost of a wedding can range from $27,000 to $33,000 depending on the size and location. So planning a wedding without insurance can almost be compared to buying a bunch of used cars that can cause chaos at any moment and accepting the damages they can all cause. Weddings have a lot of moving parts, various vendors, and that also means many things can go off plan and put your money and event at risk as a consequence. 

Some scenarios where wedding insurance can help you can include:



Weather:

You and your partner have been planning your wedding for months, if not an entire year, and when the day comes your venue becomes inaccessible from a severe ice storm forcing you to cancel your wedding. With the right insurance, you can be covered from your caterer down to your nonrefundable deposits for musicians and florists. 

Sickness or Injury:

If you, your partner, or an important guest are experiencing an emergency situation, like a car accident, where the event needs to be rescheduled at last minute, you can be covered. (However, cold feet are not necessarily covered!)

The Wildly Unexpected:

In 2020, a global pandemic severely affected large events like weddings, forcing couples to unexpectedly have to cancel their event. About 56% percent of couples lost non-refundable deposits. With the right wedding insurance, you and yours can be covered from the wildly unexpected.

When should you get wedding insurance?

The sooner the better. Let’s say you find your picture-perfect venue and pay your deposit months in advance to hold your date. Then all your vendors are booked and paid. The week of your wedding comes and it has just burned down to the ground. Wedding insurance may never be needed, but the pure purpose of insurance is protecting you against the wildly unexpected and making sure you are safe from any financial loss.

Talk to an insurance agent today to discuss your event and how a wedding insurance plan can keep you covered.