After you got engaged, you probably jumped right into planning your big day in order to make sure it goes as perfect as possible. However, one thing that likely hasn’t crossed your mind is purchasing wedding insurance. It’s not the most romantic subject, but it is something you should consider for an event as big as a wedding. Most weddings are both financial and emotional investments so when you think about the costs involved, paying a few extra bucks to have peace of mind on your big day is no question.
What is Wedding Insurance?
Wedding insurance is a kind of special event insurance. People often purchase wedding insurance in order to protect themselves in the event of cancellation or postponement. They also take advantage of it in order to protect themselves against any liabilities that can be associated with the wedding.
According to experts, purchasing wedding insurance is ideal to do as soon as you start planning the big day; however, some agencies will develop a coverage plan up to 24 hours before your wedding.
Every company is different as far as price since it is considered to be a non-standard policy. Prices can average from $200-1,000 depending on the scope of the event.
What Does it Cover?
There are 2 different types of wedding insurance policies that you can choose from: liability and cancellation.
Coverage can vary from policy to policy, but the basic liability insurance covers:
- Guest Injuries
- Vendor Issues
- Liquor Liability
- Damage to the Venue
- Lost or Stolen Items
Your liability insurance can also cover cancellation, or it can be available as a separate policy. It can protect you if you need to cancel or postpone your wedding in case it cannot be held on the day that you had scheduled it due to circumstances beyond your control. These include family emergencies or inclement weather.
Cake? Check. Dress? Check. Invitations? Check. You might have already started your wedding checklist, or you could still be at the very beginning. Whatever the case, this is the ultimate checklist for wedding decorations.
Ceremony Decoration Checklist
Although it’s the most significant part of the day, your guests will spend the least amount of time at the ceremony. That means you can save a few bucks on the decorations. Some things to remember are decorations for the altar, anything you want along the aisle, and a welcome sign. Some couples also opt for programs for each of their guests and an aisle runner.
Table Decor Checklist
Centerpieces and table numbers will take center stage when it comes to your wedding table decorations. From there, it’s time to think about any name cards you need, tablecloths, and extra drinkware if you want to match this to your theme. Just don’t forget the chair decorations for the bride and groom. After all, you need to sit in style after your big day, right? You can save some money on flowers by decorating the cake table with your bridesmaid’s bouquets if you like.
Reception Decoration Checklist
This is where your guests will spend most of their time. So what wedding decorations do you need? Lighting and a dance floor are two crucial things to remember. Then, it’s time to think about any hanging decorations, signs you may need, and a potential lounge area for people to chill out. You may even want to invest in a backdrop to use behind the head table.
The ultimate checklist for wedding decorations means you should have everything covered when it comes to decorating your big day. It’s best to think about where our guests will spend most of their time when you’re dividing the decoration budget to ensure you spend your money wisely.