If you have planned the ideal wedding, glitches might be extremely stressful. Calamities may be heart-stopping.

To know more about the importance of having a special event insurance, please get in touch with Steely & Smith Insurance today and call us at (215) 345-9410

Wedding insurance will help you breathe a bit easier. A policy will pay for all injuries or damage occurred during a wedding event, or reimburse you if it is canceled or postponed. Investing in a policy is fast. Here is what you should know about wedding insurance.

Wedding insurance coverage

Having insurance for unexpected wedding disasters makes sense for most couples, particularly if the celebration is going to be expensive and large. Depending upon where the wedding destination is, it is possible to obtain coverage through:

• Special event policy.
• Separate wedding policy.
• Existing renters insurance or homeowners insurance policy.

For instance:

• If a friend or relative is hosting the occasion in their home, their homeowners insurance — as well as umbrella insurance for extremely large claims — will cover liability. But they ought to ask the insurance provider concerning liquor liability and if they have coverage if an intoxicated guest causes an auto accident after they leave.
• Your own renters or homeowners insurance might cover destroyed or stolen gifts.
• The venue might offer liability insurance of its own, so you would not require overlapping coverage. For instance, a banquet hall will likely have its own policy, yet ask about what it actually covers.

When Should You Invest in Wedding Insurance?

Couples ought to invest in a policy once they start writing checks. But if you already are in the middle of planning, it isn’t too late.

In the majority of states, if a policy will be covering extreme weather, it has to be bought 14 days before an event. In many cases, liability coverage may be bought up to the day of an event. But if your wedding venue requires that you purchase liability insurance, it may require evidence of insurance before the wedding, as much as one month ahead of an event.

Still have questions? Please get in touch with Steely & Smith Insurance anytime! Our weather, wedding, and special event insurance can help during times of need. Please feel free to contact us today if you live in the Doylestown, PA area at (215) 345-9410.