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COVID-19 Disclaimer from SURE: Unfortunately, because COVID-19 is a known event, cancellation coverage is unavailable at this time. If you are only postponing your wedding, it is still important to get liability insurance (per venue requirements). Our team is happy to answer any questions and help you get set up with cancellation once the government’s restrictions on gatherings have been lifted.
Bad weather, injury or illness, vendors gone missing - are only a few examples of things that can very easily ruin the most important day of your life. The last thing you want to think about is anything going wrong on your big day, I mean you have enough to stress about, right? Many Zola couples have shared that worrying about the perfection of the day is what causes a majority of wedding stress, especially as you get closer to your date. One thing couples can do to minimize that stress while planning a wedding is to obtain wedding insurance early on. While insuring your wedding is not the most exciting item on your planning to-do list, it will certainly give you peace of mind at a minimal cost. Thanks to more couples getting protected in the last two years, your options have become more sophisticated. Here’s the basics to help you get started.
What is wedding insurance and why do I need it?
Just like home insurance, wedding insurance protects your investment from circumstances beyond your control. Imagine your wedding singer calls the day before your wedding and says she’s sick and won’t make it. Not only will you have to find a replacement quickly, you will likely pay double (or more!) for someone you never wanted in the first place. Another example we’ve seen happen more often than you’d like to know is when your venue goes out of business weeks or sometimes months before the wedding. In these situations, finding a new space may be the challenge, but what’s worse is that couples will not get their deposit back and you know your budget can’t afford that. Wedding day financial losses are what wedding insurance is designed for, and when you have it, you can be reimbursed for those expenses so you have one less thing (MONEY!) to worry about while you problem solve.
Is it required? Often times it is, but not always. It is becoming increasingly popular for wedding venues to require couples to have liability insurance. The liability insurance is going to cover any damages to the venue, and also any injuries to your guests. Make sure you confirm with your venue if there is a specific insurance requirement.
Here’s how it works:
Wedding insurance, also referred to as special event insurance, comes in two parts.
- Cancellation or postponement coverage: If extreme weather forces cancellation, for example, this coverage will reimburse you for deposits or even the entire cost of a service or rental of a venue. It also can help pay for the costs incurred to reschedule the celebration.
- Liability coverage: This indemnifies you if someone is injured during the wedding, or if there is property damage. You can buy either type of wedding insurance coverage, or both types.
Where do I get wedding insurance?
First, check with your vendors and have a good understanding of the coverage that will come with their service. Second, look at companies that specialize in wedding insurance who are more likely to add coverage for things beyond what a traditional insurance company might. Zola has partnered with SURE who provides the most comprehensive coverage at the best prices.
Policies available from SURE:
- Wedding Liability Insurance: Protect yourself from financial loss that results from an accident at your wedding. NOTE: Many venues require liability insurance.
- Wedding Cancellation Insurance: If your big day is postponed or cancelled, this helps to recover your expenses.
- 15% Discount Wedding Day Protection Package__: Receive a discount if you choose both Liability and Cancellation coverage.