For most people, insurance is viewed as something that is only needed to protect their finances when disaster strikes. This is why car insurance and homeowners insurance are so common. However, this protective coverage may also be needed for other events, like your wedding day. Here’s what you need to know about wedding insurance.

A Guide to Wedding Insurance

Why would you need wedding insurance?

Even a perfectly planned wedding day needs coverage. Weather cancellations, problems with the venue, or even an injury can impact the financial costs of the event. Wedding insurance can help you recover deposits and other fees that you might not be able to otherwise.

What types of wedding insurance are there?

There are two primary types of wedding insurance. Event liability and property damage coverage covers situations in which you (or your guests) might be responsible for property damage or injuries that occur during the festivities. Cancellation and postponement insurance covers situations when serious events beyond your control force the delay or cancellation of the venue reservation.

What situations aren’t covered?

These policies are designed for situations beyond the couple’s control. If one or both of you change your mind about getting married and decide not to go through with the wedding, insurance coverage doesn’t apply. Honeymoon coverage is generally not included with the policy, but it is often available as an added option.

What about vendors and event facilities?

Some vendors and facilities already have insurance or refund policies in place. In this case, many of the issues that would be covered by wedding insurance are already taken care of. Check with them before buying a policy to avoid getting unnecessary coverage.

Whether you need wedding insurance or any other type of coverage, you can find the help you need at K.L. Smith Agency LLC in Willimantic, CT. They’ve served the area since 1956 and will work diligently to help you find quality insurance products that meet your needs and budget, including car, homeowners, and business insurance. To learn more about their services, visit them online or call (860) 423-9294.