Are you in the process of planning a wedding? If so, you're in for an exciting journey. However, a wedding is a big investment, and without the proper protection, you could risk losing thousands of dollars if something goes wrong. Wedding insurance is a great way to mitigate damages and protect your investment in case of an emergency.
If you’re wondering what wedding insurance covers and whether it’s right for you, WSMT Insurance is here to help.
What Is Wedding Insurance?
Wedding insurance (also known as event insurance in Maryland) helps protect your investments in case something goes wrong during the wedding or the planning process. It typically covers liability concerns for the big day – like guest injuries and venue damages – and can also cover cancellations, cake and dress issues, and more.
Some venues require a liability insurance minimum on the day of the event, so it’s important to determine what coverages you need ahead of time.
What Does Wedding Insurance Cover?
Wedding insurance can cover three general categories:
- General Liability Coverage – This insurance covers guests or attendees who may be injured at the venue, as well as damages to the venue that may occur.
- Cancellation Coverage – This coverage is crucial to help you avoid losing thousands of dollars in deposits if you're forced to cancel or reschedule your event for some reason.
- Special Coverage – This specialized policy protects your dress, tuxedo, cake, flowers, and other specific aspects of your wedding day.
If the wedding is in your backyard, you might want to find out what your home insurance will cover, as well. It may cover more thank you think; however, you may still require additional insurance if you want specific details covered.
How Much Does It Cost?
You might be surprised at how inexpensive it is to purchase one-day event insurance. In some cases, you can invest in liability event insurance for less than $100! Depending on other add-on coverage options, your total costs might be a bit more. However, the peace of mind this type of insurance can give you as you plan your special day is worth every penny.
Let WSMT Help You Protect Your Big Day
Contact WSMT for more information or to purchase event insurance or personal insurance coverage in Bel Air, Maryland. We'll connect you with a knowledgeable agent who can make sure you have the perfect policy in place for your wedding day.