page 82 X metropolitan weddings X summer/fall 2020
what’s covered?
Lost Deposits
Suppose your wedding venue gets struck by a tornado before your big
day. Maybe your DJ is in an accident and doesn’t show up. Now is a good
time to find a stress ball! Wedding insurance can offer reimbursement
for deposits you’ve made on products or services you will not be receiving.
Lost or Damaged Items
These are the “must-haves” of most weddings and include the repair or
replacement of the bride’s dress, the groom’s tux, the wedding bands and
the retaking of photos. You could also receive reimbursement for food,
for example, if your wedding cake collapses on its way over to the venue.
Wedding gifts could also qualify if they happen to be stolen from your
reception or perhaps crushed by a clumsy uncle.
Special Circumstances
You could also recoup any lost funds if you have to cancel your event due
to severe weather (like a tornado), are called to active duty, or experience
sudden illness that would prevent you (or your parents, grandparents
or children) from attending the wedding. If your event is canceled for
any reason that’s covered, you may also receive reimbursement for nonrecoverable
travel and accommodations for your honeymoon.
Unexpected Additional Expense
This covers any difference in cost if you are forced to find a lastminute
replacement for one of your vendors. For example, two weeks
before the big day your florist calls to say they can no longer handle
your event. You find a last-minute replacement, but they’re more expensive
and add a rush fee. Wedding insurance could take care of
what you pay on top of your original agreed-upon price.