USAToday:
If your idea of the perfect wedding venue is a drive-through chapel in Vegas, this column is not for you. If, however, the wedding of your dreams involves a June ceremony with a dozen attendants, a sit-down dinner for 400 guests and an open bar, perhaps you should consider wedding insurance.
Wedding insurance will cover your losses if bad weather, airport delays, a military call-up or a sudden illness prevents you or your intended from getting to the church on time.
If your caterer is shut down by the local health department, most insurance policies will cover the extra cost of finding a last-minute vendor to feed your guests.
Travelers Insurance added wedding insurance to its product line in February. Fireman’s Fund Insurance plans to announce this week that it will expand its existing policy for weddings and other special events. WedSafe, a unit of Aon, also offers a wedding insurance policy.
The growth of these policies reflects the rising cost of weddings. The average amount spent on a wedding in 2006 was $27,852, according to the Condé Nast Bridal Group. Nearly a third of couples pay the entire cost of their wedding, and 36% end up spending more than they had planned. Premiums range from $95 to more than $1,000, depending on the size of your wedding and the level of coverage you buy. Some costs that wedding insurance will cover:
* Liability
* Sudden death or illness
* Lost or damaged formalwear
* Photography mishaps
* Stolen or damaged wedding gifts.
There are also some things wedding insurance won’t cover…
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