14 Apr Protecting Your Big Day: 5 Reasons You Need Wedding Insurance

Your wedding day is supposed to be the most perfect day of your life. The sun should be shining, your venue needs to be decorated beautifully, and everything should go just as planned. However, this isn’t always the case. Unfortunately, things can go wrong, fairly quickly, as you can’t control Mother Nature, your vendor’s businesses, or other people’s behavior. This is where wedding insurance, also called special event coverage, comes into play. It can provide the protection that you need, should something go awry.

But not to worry – we’re here to help. Here are five reasons why you need wedding insurance.

1) You Can’t Control the Weather

Although the Alanis Morrissette song may beg to differ, rain on your wedding day is more than ironic – it can be catastrophic. Some say that a rainy wedding day is good luck as it means that the future spouses will have a great marriage. The only problem is that your outdoor wedding could be cancelled, due to the rain or inclement weather which can have financial consequences.

2) Your Venues Might Cancel Your Reservations

You don’t have much control over your venues after you choose them. If the business should close or go bankrupt, you’ll end up having paid for a reception or rehearsal dinner that no one could attend. In addition, the building might flood or catch on fire right before your wedding, leaving you without a place to hold the ceremony or after-party. As a result, your entire wedding could be cancelled and without insurance, you could lose the money that you’ve already spent.

3) Your Vendors Might Fail You

What happens if your vendors fail to arrive with the flowers or cake that you purchased? No matter the reason for their failure to follow through with your contracts, you could end up buying expensive items that you’ll never see. Plus, you’ll end up scrambling to find flowers, a cake, or even a photographer elsewhere at a moment’s notice. This can be expensive, so having wedding insurance coverage can definitely save the day.

4) Your Future Military Spouse May Get Deployed

What happens if your wedding is planned, but two weeks beforehand, your future military spouse get deployed overseas? Obviously, they can’t control where they’ll end up, nor can they tell their superiors that they can’t leave until after they get married. You’ll need to postpone the wedding, potentially losing out on all of the deposits and things that you’ve already paid for. Thankfully, wedding insurance can help make this less painful.

5) You or Your Future Spouse Might Get Sick

There’s no such thing as “going through the motions” on your wedding day if you’re sick or simply not feeling well. You want to be at your best! However, something like the flu or food poisoning that leaves you in bed instead of walking down the aisle can cause you to postpone the entire wedding. You could end up losing money on all of the food, decorations, and event spaces that you already paid for. But with the right insurance coverage, rescheduling everything will thankfully be a little bit less of a headache.

Weddings are stressful enough. Take away a little piece of the anxiety by buying wedding coverage that protects you, your future spouse, and your big day. Not sure what you need? Spivey Insurance can help you decide what special event coverage is best, so you can focus on what really matters…your big day!