Wedding Insurance

Posted By: Blinky

Wedding Insurance - 03/16/08 06:44 PM

I am planning a wedding in San Pedro and having no luck finding someone to provide wedding insurance. The travel insurance itself is easy, but they won't cover the wedding expenses. Any ideas of companies that would extend coverage there?
Posted By: klcman

Re: Wedding Insurance - 03/16/08 06:55 PM
Posted By: *I Do* Belize Weddings

Re: Wedding Insurance - 03/16/08 07:34 PM

That is a great site. You may also contact Wed Safe
[email protected]
Posted By: reaper

Re: Wedding Insurance - 03/16/08 07:54 PM insurance, who da thunk it????

Does it cover if the groom gets cold feet???????
Posted By: Blinky

Re: Wedding Insurance - 03/16/08 08:34 PM

I've looked at WedSafe and they didn't have Belize listed as a covered territory. I'll give them, and the others, a call.
Posted By: *I Do* Belize Weddings

Re: Wedding Insurance - 03/16/08 08:45 PM

Give them a call. I know a couple used them, however that was in late 2006. Best of luck.

Reaper, reference "what it does not cost" under these details. wink

Planning: Wedding Insurance 101

Though you might not want to think about it, disasters can strike your wedding day. From a sudden cancellation to stolen gifts to a damaged gown, wedding insurance can help protect you against the unforseen, and can also afford you great peace of mind. But what exactly is wedding insurance -- and how does it work? Here's the inside scoop.Before you buy wedding insurance, check with your each of your vendors to see how well they're covered.

What is it?
Basically, wedding insurance protects a couple's investment from circumstances beyond their control, and reimburses expenses incurred. For example, what if your limo driver doesn't show up and you have to book another one the morning of the wedding -- for three times the price? Or what if the groom's custom-made tuxedo is lost in airport baggage, and he has to buy a new one the day before the wedding? What if your reception space goes out of business a month before the wedding, and you lose your deposit and have to book another space? These are the types of big-day financial losses that wedding insurance can help to protect.

Why Get Wedding Insurance?
Consider these scenarios:

Janet and Dan spend months planning their winter wedding. But on wedding day, their reception site is made inaccessible by an ice storm. With the right wedding insurance policy, the couple can postpone their wedding and receive every penny they lost (less the deductible) -- including money for the invites, cake, catering, attire, and non-refundable deposits for ceremony musicians, floral designer, and other vendors.

The bride's father is injured in a car accident just before the wedding and cannot travel. If the couple has to postpone their wedding, with wedding insurance they could be paid back their expenses to enable them to have the wedding when the father recovers.

Right before the ceremony, Brittany's gown catches a gust of wind. Unfortunately, the tulle dances right over to the end of Uncle Howard's cigar and the dress instantly goes up in flames. Fortunately, the right insurance policy covers the replacement of the veil and gown.

How Much Does it Cost?
A basic insurance policy that covers loss of photos, videos, attire, presents, rings, and deposits usually costs anywhere between $155 and $550, depending on the amount of coverage you want. General liability insurance, which covers up to $1,000,000 for accidents, costs around $185.

Do You Really Need it?
Before you buy wedding insurance, check with your each of your vendors to see how well they're covered -- your reception site or your caterer may already have their own insurance, so you wouldn't want to pay for overlapping coverage out of your own pocket. Ask your vendors for a copy of their policy, and then figure out where you aren't fully covered.

When Should You Get it?
The sooner the better. Let's say you put a deposit on your reception hall 12 months prior to your wedding date and then it burns to the ground a few weeks before the big day. With wedding insurance, you'll be sure to get your deposit back. But note: most insurance companies have limitations on how far in advance you can purchase insurance.

What Does it Cover?
Problems with the site, weather, vendors, key people, sickness, or injury are the top concerns come wedding day. There is usually a specified maximum amount, which can be claimed under each section, and a deductible also applies. Be sure to find out the details of your insurance plan.

Site: Check to see if your ceremony and reception site is already insured. If it's not, wedding insurance can cover the cost arising out of unavoidable cancellation (such as damage or inaccessibility to the ceremony site), if your reception hall is unable to honor your reservation because it has burned in a fire, experienced an electrical outage, or just plain closed down. Sometimes this policy covers the rehearsal dinner site, too.

Weather: Any weather conditions which prevent the bride, groom, any relative whose presence at the wedding is essential, or the majority of the guests from reaching the premises where the wedding is to take place. Insurance covers rescheduling the wedding and all the details involved -- such as ceremony flowers, tent rental, and reception food.

Vendor No-show: What if essential wedding people -- the caterer or the officiant, for example -- fail to show up? A wedding insurance policy usually covers cancellation or postponement of the wedding for these reasons.

Sickness or Injury: Wedding insurance may also include sickness or injury to the bride, groom, or anyone essential to the wedding.

Military or Job: It's true, military personnel may be shipped out at a moment's notice. Wedding insurance can cover postponement of the wedding due to the bride or groom suddenly getting called to military duty. This can also apply to a last-minute corporate move -- i.e. the bride's company suddenly relocates her to another city.

Wedding Insurance Doesn't Cover...
A change of heart. In other words, cold feet don't count.

Watches, jewelry, or semi-precious gemstones or pearls (even if they are attached to clothing) may not be covered.

While your wedding rings may be covered by the policy, your engagement ring probably will not.

Additional Coverage
Couples can take out supplemental policies to defend against damages incured by other wedding-related items such as photography, videography, and gifts.

Photography: Some policies pay to retake the photographs after the fact if the photographer fails to appear or the original negatives are lost, damaged, stolen, or not properly developed. Some policies will pay to re-stage the event -- with the principal participants so that pictures can be retaken. A policy may also pay costs for rehiring a photographer, buying a new wedding cake, and new flowers.

Videographer: When a videotape produced by a professional videographer is damaged (he or she used faulty materials for example), a policy usually pays a certain amount to have either a video montage created, a video compilation made of the photographs and other wedding memorabilia, or, if possible, a retaking of the official video at a restaging.

Gifts: Whether they're mailed to your home or handed to you on your wedding day, valuable items like gifts are something else you might want to consider insuring. Think about a party crasher lifting unattended presents from your reception. Gift coverage pays to repair or replace non-monetary gifts that are lost, stolen, or damaged. A police report is usually required for stolen gifts. The damage or theft generally has to take place within a limited time period (ranging from 24 hours to seven days depending on the specific policy) before or after the wedding, in order to be covered.

Attire: This coverage pays to repair or replace the bridal gown or other special attire when it is in your possession and is lost, stolen, or damaged (including financial failure of the bridal store). Special attire usually includes the clothing and accessories bought or rented that are to be worn by the bride, the groom, and attendants at the ceremony.

Personal Liability: Personal liability covers bodily injury or property damage caused by an accident that occurs during the course of the wedding (your best man trips and falls on his way up to the mike to roast you or Uncle Murray suffers a Harvey Wallbanger wall banger).

Medical Coverage: This covers reasonable medical expenses (up to the policy's limits) for each person who is injured during the covered events from a cause of loss, which would be covered by your personal liability.

Honeymoon: Your honeymoon can cost as much as a new car. But before buying travel insurance to protect your investment, see if your credit card and/or homeowner's policy covers you if your luggage gets lifted, your trip is delayed, or you have to cancel. If not, you can a buy separate, trip-only policy. Call your insurer, or ask your travel agent for details. Also, certain wedding insurance packages include optional travel insurance for your honeymoon.

Things to Consider
Every insurance policy and every wedding scenario is different. Be sure to talk to your insurance agent -- and have him or her explain the nuts and bolts to you. You want to make sure you and your sweetie understand every detail of your policy.

Posted By: belizegial

Re: Wedding Insurance - 03/17/08 02:13 AM

Thanks for this explanation about wedding insurance "I Do" Belize Weddings, I have never heard abour wedding insurance before; but after reading your post, it does make sense indeed.

Posted By: *I Do* Belize Weddings

Re: Wedding Insurance - 03/17/08 03:32 AM

Great. Glad it helped with an explanation and thanks for letting me know.
Posted By: jenni sharp

Re: Wedding Insurance - 03/17/08 06:06 AM

Feel free to give me an email if you need a photographer.
Posted By: seodpfoc

Re: Wedding Insurance - 04/15/10 11:55 AM

Covermywedding I have used this wedding insurance thats why can suggest i.
Posted By: sweetjane

Re: Wedding Insurance - 04/15/10 01:02 PM

what? things can go wrong last minute in belize? proof in the pudding: the day b4 we were to be married on a deserted caye, the engine was stolen out of the 40-some ft sailboat we rented in Placencia. Luckily, they borrowed another boat and it all worked out fine, but yeah, stuff can happen. smile
Posted By: Peter Jones

Re: Wedding Insurance - 04/15/10 02:02 PM

As with all insurance, there are many "details" that need to be considered. Just two for example - (1) what evidence is required of expenditure made, and that that expenditure was "lost", and (2) is expenditure by other people on your behalf covered? Don't assume you know the answer to either.
Posted By: papashine

Re: Wedding Insurance - 04/15/10 06:27 PM

I still think the best wedding insurance is Paw with his shotgun grin
Posted By: klcman

Re: Wedding Insurance - 04/15/10 11:55 PM

HAH I luv it when a 13 month old thread resurfaces...
Posted By: Ernie B

Re: Wedding Insurance - 04/16/10 12:17 AM

Personal agenda.
Posted By: SimonB

Re: Wedding Insurance - 04/16/10 01:00 AM

Spam. 1st and last post.
Posted By: Ernie B

Re: Wedding Insurance - 04/16/10 01:30 AM

WOW ! Simon surely is smart.
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