PayneWest Blog

Don't Think You Need Wedding Insurance? Think Again.

It's your special day, so don't leave anything to chance. In addition to many wedding venues requiring event insurance, here are a list of reasons why wedding insurance just makes sense.

  • 23% of wedding insurance claims are from property damage to the wedding, making it the most frequent wedding insurance claim. (WedSafe)
  • 18% of wedding insurance claims are injury or accident claims caused by things like slick floors, fist fights and poorly lit corridors or stairs. (WedSafe)
  • 30% of insurance claims are filed for vendor snafus (i.e. wrong flowers get delivered, a business closed their doors, flighty videographers, the caterer failed to show up.) (The Knot)
  • Homeowners and renter’s insurance covers the bride and groom if wedding gifts are stolen from your home or car. (Consumer Reports)
  • You can’t get insurance for a change of heart. Cold feet are uninsurable.
  • There are insurance policies that cover damage to your wedding dress. (WedSafe)
  • Some policies protect couples against severe weather, such as a hurricane, fire or tornado that cause the cancellation of a wedding.
  • If a venue doesn’t have its own insurance, couples are frequently required to provide their own liability insurance (The Knot)
  • For military couples, additional coverage is available in case an active duty bride or groom gets deployed. (The Knot)
  • The average cost of a wedding in 2019 was $28,000. (The Knot)
  • 2021 is expected to be the biggest wedding year ever – meaning vendors are busy and there are more chances of things going wrong. (The Knot)
  • 90% of weddings in 2020 were affected by COVID-19. (The Knot)
  • 56% of couples who altered their wedding plans in 2020 lost money. (Lending Tree)
  • Ceremonies: 68% of couples held ceremonies outside in 2020 and 57% in 2019. Receptions: 43% of couples held receptions outside in 2019 and 59% in 2020. Outdoor weddings increase the possibility of inclement weather and other variables. (Wed Insights)

Your wedding day should be stress-free so you can focus on the joy of getting hitched.

 

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This content is for informational purposes only.  Consult your actual insurance policy for details regarding terms, conditions, coverage, and exclusions.

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