Q: Have you ever given any thought to what would happen if the bridal salon accidentally lost your wedding dress?


A: Of course you haven't. Who wants to think about that. Unfortunately it can happen. I have heard horror stories of brides going to pick up their dresses the week of their wedding only to find that the shop could not find their dress, or worse yet, the shop itself was closed. Gone out of business in the middle of the night, never to be heard from again. That is a pretty lonely and horrible feeling for a bride. This exact thing happened to one of our close friends, and even though she found another dress in time, it was not "Her" dress and it marred her special day.

There is protection out there. Wedding insurance is a viable and cost effective way to make sure that your day is special in every way. The peace of mind that most of our brides feel is priceless they say. Here are a few questions you may ask about wedding insurance:

Q: Do I have to be a U.S. resident to obtain coverage?
A: Yes, the purchaser must live in the U.S. and be a U.S. resident (Residents of Alaska may not purchase coverage).

Q: Does my wedding have to be in the U.S.?
A: No. You are covered if your ceremony and reception are held in the U.S., Canada, Puerto Rico, a U.S. Territory, or aboard a cruise ship departing a port in one of these locations. For a nominal extra premium, you also may insure ceremonies and receptions held in the United Kingdom, Mexico, the Caribbean Islands, or cruises departing one of these locations (except for Cuba or Haiti). Please note, liability coverage is not available in these extended territories.

Q: How old do I have to be to get coverage?
A: The purchaser, bride and groom must be at least 18 years old.

Q: Basically, what does Wedding Insurance cover?
A: The plan can reimburse you if an important item related to your wedding (for example, your ring) is lost or damaged before you get married. The plan can reimburse you in case you lose your deposit if a vendor (for example, your florist) goes out of business before your wedding. You also can receive funds if events beyond your control cause you to postpone your wedding.
You may add coverage to protect you in case someone at your wedding is injured or causes damage to property of others. Of course, certain terms and conditions apply to these coverages, which you will want to review before you purchase your plan.

Q: What's not covered?
A: Wedding Insurance typically covers things beyond your control. So, for example, if you or your fiancé decide not to get married, you are not covered. Of course, you will want to familiarize yourself with other details about what is and is not covered before you purchase your policy.

Q: Am I covered in case of bad weather on my wedding day?
A: Wedding Insurance makes a distinction between a rainy day and truly severe weather, like a hurricane. If it rains on your wedding day, you are not covered. However, if for example, a hurricane causes you to postpone, we can provide reimbursement for non-recoverable expenses.

Q: My fiance is in the military? What if he/she is called up right before the wedding?
A: If circumstances beyond your control (for example, an unforeseen deployment) cause you to postpone your wedding, we can provide reimbursement for non-recoverable expenses.

Q: Do I have to buy liability insurance?
A: You are not required to elect liability coverage as part of your Wedding Insurance. However, you may wish to contact the locations where you will hold your ceremony and reception, as they may require you to show proof of liability insurance.

Q: Basically, what does liability insurance cover?
A: Liability insurance can protect you from liability for property damage/personal injuries to third parties at the location of your ceremony and reception. You also have the option to include liquor liability coverage, which protects you and your immediate family from alcohol-related accidents caused by a guest of your wedding.

Q: Doesn't my homeowners insurance provide liability protection?
A: It may or may not cover you. You may want to talk to an insurance agent to decide how best to cover your liability exposure.

Q: Do I have to apply online?
A: No. If you prefer, you may contact us directly at 212.239.1140

Q: Do I have to pay via credit card?
A: A credit card or debt card is required for online purchases.

Q: When is the right time to purchase my insurance?
A: You can buy your policy as soon as you begin spending on your wedding

Just some food for thought. "Insure" that your day is as special as you want it to be. Protection is priceless. Just a little food for thought....

Wishing you all a wonderful weekend. Stay safe out there!

http://www.securemywedding.com