ASK THE EXPERT: Do We Really Need Wedding Insurance?
Q: We always assumed that wedding insurance was mostly a rip-off, but after last year’s hurricane, we’re reconsidering. Is it worth it? What will it really do for us if something does happen?
A: Wedding insurance can be a good investment, but keep in mind that there are different types, says Susan Norcross, owner of Clarksboro’s Two Rings One Circus: “WedSafe, for instance, offers cancellation and postponement insurance, which protects your financial investment in your wedding in the event of cancellation, postponement, lost deposits and more.”Liability insurance, however, only protects you against any financial liability that may arise from your wedding day mishaps, and is required by many venues.
The first isn’t always necessary, she says, but she would recommend it if you’re spending a fairly large sum and weather plays a large factor in your wedding. “Hurricanes and floods are certainly possible—and then there are problem vendors, venues that fall through … the list can go on and on, and for several hundred dollars, you can get quite a bit of coverage.” Whatever you decide to go with, make sure you read the fine print, so you understand exactly what your specific policy covers.
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