Wedding planning can be so much fun because you get to think about your ideal day. It’s fun to choose the perfect venue and pick out décor items. On the day of your wedding, you get to marry your favorite person while surrounded by loved ones. But weddings also come with a lot of fine print, and you want to make sure you’re covered in the event of something going wrong. This is where wedding insurance can help you protect yourself. 

What is wedding insurance?

Wedding insurance is essentially insurance that covers specifically weddings. What exactly your policy covers depends on the insurance company and what you’re paying for. Generally, this type of insurance can cover you in case of things like you need to reschedule your event for reasons beyond your control, your vendor cancels, your wedding dress is ruined, or someone gets injured at your wedding. You may need to pay extra if you’re looking for cancellation insurance on top of liability insurance. Often, it will also include an alcohol liability policy. This type of policy covers you in case someone gets too intoxicated and causes a car accident. Many specific companies offer wedding insurance, but you also might be able to get it as an add-on to your home insurance policy if you’re having a home wedding.

Why do you need wedding insurance?

Wedding insurance is always helpful, but it’s particularly necessary if you’re getting married in Lake Tahoe. This is because we live in an area with yearly wildfires and snowstorms. This means a wildfire in the area could put a stop to your wedding or you could get snowed out. In the event of a natural disaster, you want to make sure your big day is covered. Additionally, the pandemic is making wedding planning more difficult as couples are unsure if their event can happen on their chosen day. This can make wedding planning more stressful, so insurance can help make the process a little easier.Not to mention, many venues require you to have liability insurance to host your wedding there. Many wedding insurance policies work for venues. Just be sure to double-check with your venue how much insurance you need.

Picking an insurance policy

The most important thing when it comes to any type of insurance is to do your research. It’s so important that you understand exactly what your policy covers and that you pick the company that works best for you. This is especially true during Covid times because some wedding companies are opting out of paying for cancellations or postponements due to Covid. This is why it’s so important to read the fine print of any quote or insurance policy you get.

Beyond wedding insurance

Having insurance is essential if you’re planning on getting married in Lake Tahoe, but it’s equally important to have a plan B. For example, you might need to downsize your event or move to a different location, like a private home. You may choose to just simply postpone your event but be sure to consider your different options. As wedding photographers, we want to make sure our clients are covered in case of events beyond their control. We consider it part of our job to help clients navigate their wedding planning.