Monday, April 13, 2009

Don't Forget The Wedding Insurance

Taking the time to compare wedding insurance is probably not on most bridal checklists, but it's something that couples should consider together. When planning the details of a wedding day, brides and grooms are thinking about the flowers, the cake and of course, the gown. There's enough on their plate without worrying about what could go wrong. Wedding day insurance offers protection in case something should happen to mar the celebration.

For many people, planning a wedding is probably much like embarking on a college education: there's a lot more to it than people think who haven't already been through it before. It's more than planning a party; there are some pretty serious emotions involved -- all around. It can be highly stressful at times. There are ways, however, to mitigate this stress and make this a happy time.

If you want to bypass most of this stress altogether, consider hiring a professional wedding coordinator to do all the legwork for you and even absorb much of the logistical stress on the big day itself. A competent coordinator will orchestrate the entire event for you, for a percentage of your total wedding budget. Before you balk at the idea of adding yet another cost onto everything else that must be paid for, realize that professional wedding planners often actually save the couple money by knowing how to get certain services for a much lower cost than the general public would pay for the same thing. And since the wedding coordinator's fee is a percentage of the budget you've already set, you won't actually be adding another cost. Considering how much work you will be saved, hiring a coordinator may be something that's well worth looking into.

Whether you hire a professional coordinator or organize the wedding all by yourself, there are many additional ways to minimize stress. One consideration is event insurance, just in case anything should go wrong. Wedding event insurance is quite comprehensive and can cover a wide range of possible disasters. According to one source, the top five reported claims include:

* damaged wedding attire

* having to re-take the wedding photographs

* having to cancel the wedding due to an illness or bereavement

* caterers not showing up

* loss of wedding rings

While it's never desirable to have to actually use insurance and file a claim, it's a good thing to have the policy in place nonetheless. This is the first day of the rest of your married life, and you want it to be as perfect as possible. Whatever you do, don't allow little mistakes or omissions to become calamities. It may not be understood by those who have not been through it, but on your wedding day, everything seems so much larger than life -- whether good or bad.

The last thing anyone wants is to have their wedding be remembered as a disaster, and with how much of an expense weddings can be these days, it only makes sense to have some form of insurance. After all, a wedding can cost as much as (or more than!) a down payment on a house, and you wouldn't buy a house without insurance, right? Right!

Information provided by Kathy Hildebrand with Tidbits and Stuff

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