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Wedding insurance? Sure, as things can easily go awry

Wedding insurance? Sure, as things can easily go awry

Want to protect yourself in the event of a wedding mishap, severe weather conditions or a vendor incident? There are things to consider before getting wedding insurance. (The New York Times/Marne Grahlman) After a year and a half of careful wedding planning, Sally Niebuhr was ready to watch her oldest daughter, Kiki LaCroix, walk down the aisle at a winery in Sonoma, Calif., in October. But Mother Nature had other plans. When the Kincade fire struck the area just a few days before the wedding was scheduled to take place, causing widespread evacuations, their dreams of a wine-country wedding were crushed. The good news? Niebuhr had bought a wedding insurance policy for $350 from Travelers Insurance that provided $7,500 of cancellation coverage. She was refunded the $6,500 deposit she paid for the venue. The money was then used to book another place in San Francisco on Oct. 26, her original wedding date and just three days after the wildfires hit Sonoma. “Luck was definitely on our side that weekend,” said Niebuhr, 58, a general contractor from Basalt, Colo. “All of our vendors — our DJ, our photographer, our florist, our caterer — were able to pivot and provided their services in San Francisco. And the Westin St. Francis Hotel, where we held the reception, had a ballroom that was available and plenty of open rooms for our out-of-town guests.” Wedding insurance — also called event insurance — can shield people from financial loss that could result from a number of setbacks, such as severe weather, property damage and vendor problems. “In America, wedding insurance didn’t really gain steam until the 1990s,” said Robert Hunter, the director of insurance at the nonprofit Consumer Federation of America in Washington. “I used to tell people not to buy it, but it has […]

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