If you are getting married sometime in the not so distant future, one item to make room in your budget for would be wedding insurance. Sure, not a terribly thrilling aspect of your overall ceremony and reception, but if you really want to delight in your wedding day, this is the point to pay attention to. Sure, it would more thrilling to focus on locating the perfect wedding dress, the best wedding DJ, or even the most awesome wedding site, but if anything goes wrong with any of those --or just one of those-- items, it will all be done in vain if your wedding day is not covered by some basic wedding insurance.
Let's say you find the more than perfect wedding dress. It fits you astonishingly well and only needs a few minor changes. After going back to the dress superstore for some final adjustments you realize it's not fitting as well as it did on the first day you tried it on. Not a big deal because you have a good 3 months before the wedding day arrives. Besides, a lot can change with your body in a good 3 months. So, you leave the pretty thing at the superstore and decide you'll go back for a final fitting about a month before the big day. You focus your attention on all the other multitudes of details you need to handle (one of them not wedding insurance, you naughty person!) and stop worrying about the dress. 40 days before your wedding day, the unthinkable transpires.
The need for Noah's Ark arises. Your bridal store gets hit hard by the wicked rains sweeping into your neighborhood. knee high amounts of muddy, nasty water in the storage department wet everything from mid thigh down. Your perfect wedding day apparel is now perfectly soaked, stained, and wrecked. Now what do you do? Perhaps you could try to search out a new dress, but you already realize your heart will be broken and the new dress will not compare to the previous one. I know, it's a long shot of flooding waters like this ever happening, but, then again, Tennessee just recently got the shock of their lives and if there are any bridal shops in Nashville, I wouldn't be shocked if there were a lot of depressed brides throughout the city of Nashville!
With a wedding insurance policy paid for and working, you would have some ways out available to you depending on what kind of coverage you went for. The first step might be to do just what was mentioned to begin with, that is, search and search for the next perfect wedding dress. Your wedding insurance should cover this expense, as it is not going to be a whole boatload of dollars. If you aren't able to find a new dress, your next avenue of action may be to find a tailor that can remake your dress back to normal. There have been a lot of leaps forward in the world of dry cleaning, and if you take your wet and smelly wedding dress to different stores, you might be able to repair the damage.
A third option is this: A large number of dresses are one of a kind, but some are produced in the hundreds or even thousands. you can find an exact replacement and with a few adjustments, you'd still have your spectacular wedding dress.
And here we are, the grandest solution would be to postpone your wedding day. You'd have to have a complete and comprehensive wedding insurance coverage plan to be able to cancel everything and do it on a future date, but it has happened in the past and will happen again down the road. You may be able to transfer some deposits to your new wedding date, but all that really matters is that you have the ability to try again. If it is a flash flood that destroys your dress, chances are the church and the wedding ballroom have been affected by the same devastating flood. Most likely they will have some kind of wedding insurance to cover the building and what not. Will they be able to renovate and clean up in time for your special day? If got insurance, it won't really matter, because you'd be able to chill until they are ready once more.
This narrative is fictitious, but as you can see, it's not ridiculous. People spend so much money on this one special day. The average cost in the states sits right at about 34K. That is a big chunk of change. Protecting your investment should seem like the obvious thing to do, but people are always looking to "stay under budget". Once a couple sets a budget, they do all they can to stay within that budget. Unfortunately, just about every piece of their wedding ends up costing them more than they thought, sometimes a lot more. It is a rare miracle if one or more parts of their wedding comes in under budget. There are wedding insurance policies for under a couple hundred bucks out there and although it might not cover you enough to redo your whole wedding, it's better than risking it all and praying that nothing bad will transpire.
With the appropriate insurance in place, all your ill feelings can be palliated. Okay, not a terribly thrilling component of your overall "fun" wedding details, but if you really want to love your wed.
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