Wedding Insurance, A Sample Policy, Part Three

Wedding insurance. Moving on to part 3 of a wedding insurance sample. This particular section talks about gifts and rented property coverage, among other items. When you get insurance for wedding coverage, there are so many things to consider.

04. Gifts Coverage
You and the Honoree have this coverage only if a limit of insurance is shown for it on the Declarations page. We cover Gifts against physical loss or damage that results during the Policy Period, from a cause of loss not excluded while the Gifts are within the Policy Territory.
a. What We Will Pay Under Gifts Coverage
We will pay the full cost to repair or replace the lost or damaged property, without deduction for depreciation. The most we will pay for any lost or damaged item shall not exceed the lesser of:
(01) the cost of a new item identical to the one damaged or destroyed; or
(02) when an identical item is no longer manufactured or is not available, a new item of comparable quality and usefulness; or
(03) 10 percent of the total limit for Gifts.
b. Exclusions-What We Do Not Cover Under Gifts Coverage
(01)Breakage Or Scratching
We do not cover via wedding day insurance loss or damage by breakage, marring or scratching of Gifts that are statuary, marble, glass, china, porcelains, furniture or other fragile items. But this does not apply if the damage is the direct result of:
(a) fire, explosion or smoke;
(b) lightning, windstorm, hail, earthquake or flood;
(c) aircraft, spacecraft, self-propelled missiles, or objects that fall from any of these;
(d) vehicles of any kind;
(e) strikes, riots, civil commotion or vandalism;
(f) theft or attempted theft which is reported to the wedding insurance policy within 24 hours of the discovery;
(g) sprinkler leakage; or
(h) collapse of buildings.
(02) Electrical Current
We do not cover loss or damage to Gifts that are electrical devices (including their wiring or electronic circuitry) caused by electrical current, other than lightning, unless fire or explosion results.
(03) Mechanical Breakdown
We do not cover loss or damage to Gifts caused by breakdown or failure, unless a fire or explosion results.
(04) Nuclear Action Or War
We do not cover loss or damage to Gifts caused by Nuclear Action or War.
(05) Ordinary Causes
We do not cover loss or damage to Gifts caused by:
(a) wear or tear, gradual deterioration or inherent vice;
(b) insects, moths or vermin; or
(c) wetness or dryness of atmosphere, freezing or extremes of temperature.
(06) Repair Of Fine Arts
This wedding insurance policy does not cover loss or damage to Gifts that are fine arts caused by any repair, restoration or retouching process.
(07) Repair Processes
We do not cover loss or damage to Gifts caused by any process to repair, adjust, service or maintain the property unless a fire or explosion results.
(08) Theft From An Unattended Vehicle
We do not cover loss or damage to Gifts caused by theft from an unattended vehicle. But this does not apply if at the time of the loss:
(a) the Gifts were contained in a fully enclosed, locked and secured body or compartment of the vehicle; and
(b) the vehicle had an audible alarm which was fully operational and “armed”; and
(c) there are visible signs of forced entry requiring repair to the vehicle; and
(d) the theft is reported to the police within 24 hours of the discovery.
05. Rented Property Coverage
You and the Honoree have this coverage only if a limit of insurance is shown for it on the Declarations page. This wedding insurance policy will cover Rented Property against physical loss or damage that results during the Policy Period from a cause of loss not excluded while the Rented Property is within the Policy Territory and in the care, custody or control of you or the Honoree.
a. What We Will Pay Under Rented Property Coverage
We will pay the cost to repair or replace the lost or damaged Rented Property. The most we will pay for any lost or damaged item shall not exceed the actual cash value of the item at the time of loss.
b. Exclusions-What We Do Not Cover Under Rented Property Coverage
(01) Delay Or Loss Of Market
We do not cover loss or damage to Rented Property caused by delay, loss of market, loss of use, or interruption of business.
(02) Dishonesty
We do not cover via wedding venue insurance loss or damage to Rented Property caused by any dishonest act committed at any time by;
(a) you;
(b) the Honoree;
(c) any person in the employ or service of you or the Honoree; or
(d) any person, other than carriers for hire, to whom the Rented Property was entrusted.
(03) High Valued Items
We do not cover loss or damage to any item of Rented Property with an actual cash value of $1,000 or more unless that item is specifically scheduled on this policy.
(04) Mechanical/Electrical Breakdown
We do not cover loss or damage to Rented Property caused by mechanical or electrical breakdown or failure, unless a fire or explosion results.
(05) Mysterious Disappearance
We do not cover loss or damage to Rented Property caused by unexplained loss, mysterious disappearance, or shortage disclosed upon taking inventory.
(06) Neglect Of Insured
We do not cover loss or damage to Rented Property that results because you or the Honoree fail to exercise ordinary care in protecting the Rented Property from loss.
(07) Nuclear Action Or War
We do not cover loss or damage to Rented Property caused by Nuclear Action or War.
(08) Ordinary Causes
We do not cover loss or damage to Rented Property caused by:
(a) wear or tear, gradual deterioration or inherent vice;
(b) insects, moths or vermin; or
(c) wetness or dryness of atmosphere, freezing or extremes of temperature.
(09) Theft From An Unattended Vehicle
We do not cover loss or damage to Rented Property caused by theft from an unattended vehicle. But this does not apply to the wedding insurance coverage if at the time of the loss:
(a) where applicable, the Rented Property was contained in a fully enclosed, locked and secured body or compartment of the vehicle; and
(b) where applicable, the vehicle had an audible alarm which was fully operational and “armed”; and
(c) where applicable, there are visible signs of forced entry requiring repair to the vehicle; and
(d) the theft is reported to the police within 24 hours of the discovery.
06. Special Attire Coverage
You and the Honoree have this coverage only if a limit of insurance is shown for it on the Declarations page. We cover Special Attire against physical loss or damage that results during the Policy Period by a cause of loss not excluded while the Special Attire is within the Policy Territory.
a. What We Will Pay Under Special Attire Coverage
We will pay the full cost to repair or replace the lost or damaged Special Attire, without deduction for depreciation. The most the wedding insurance will pay for any lost or damaged item shall not exceed:
(01) the cost of a new item identical to the one damaged or destroyed; or
(02) when an identical item is no longer manufactured or is not available, a new item of comparable quality and usefulness.
b. Exclusions-What We do Not Cover Under Special Attire Coverage
(01) Nuclear Action Or War
We do not cover loss or damage to Special Attire caused by Nuclear Action or War.
(02) Ordinary Causes
We do not cover loss or damage to Special Attire caused by atmospheric or climatic conditions, alterations, process
or cleaning, restoration, repair, moth, vermin, wear or tear, gradual deterioration or inherent vice.
(03) Theft From An Unattended Vehicle
We do not cover loss or damage to Special Attire caused by theft from an unattended vehicle. But this does not apply with your wedding planning insurance if at the time of the loss:
(a) the Special Attire was contained in a fully enclosed, locked and secured body or compartment of the vehicle; and
(b) the vehicle had an audible alarm which was fully operational and “armed”; and
(c) there are visible signs of forced entry requiring repair to the vehicle; and
(d) the theft is reported to the police within 24 hours of the discovery.
07. Jewelry Coverage
You and the Honoree have this wedding insurance coverage only if a limit of insurance is shown for it on the Declarations page. We cover the items of jewelry scheduled in this policy which you or the Honoree own against physical loss or damage which results during the Policy Period from a cause of loss not excluded while the jewelry is within the Policy Territory.
a. What We Will Pay Under Jewelry Coverage
We will pay the full cost to repair or replace the lost or damaged jewelry, without deduction for depreciation. Our maximum liability for any lost or damaged item shall not exceed the amount shown in the schedule for that item. In case of loss of any item that is part of a pair or set, we will pay the amount shown in the schedule for the set upon surrender of the remaining items of the set to us.
b. Exclusions-What We Do Not Cover Under Jewelry Coverage
(01) Nuclear Action Or War
We do not cover loss or damage to jewelry caused by Nuclear Action or War.
(02) Ordinary Causes
We do not cover loss or damage to jewelry caused by wear or tear, gradual deterioration or inherent vice.
(03) Theft From An Unattended Vehicle
We do not cover loss or damage to jewelry caused by theft from an unattended vehicle. But this does not apply if at the time of the loss:
(a) the jewelry was contained in a fully enclosed, locked and secured body or compartment of the vehicle; and
(b) the vehicle had an audible alarm which was fully operational and “armed”; and
(c) there are visible signs of forced entry requiring repair to the vehicle; and
(d) the theft is reported to the police within 24 hours of the discovery.

We’ll be moving onto part 4 of this series next. As you read through this sample, take notes on the sections you might have questions on, so when you contact your insurer, you’ll be ready to discuss any issues you might have in regards to your wedding insurance policy.
wedding insurance

Part 2 of a Wedding Insurance Policy Sample

Here’s part 2 of 6 parts of a sample wedding insurance policy.

SECTION I PRIVATE EVENT CANCELLATION INSURANCE PROPERTY COVERAGE
A. Property Coverage
01. Cancellation Or Postponement Coverage
We cover the nonrefundable expenses you or the Honoree have incurred in connection with the Private Event if it must be Canceled or Postponed as a result of a cause of loss not excluded.
a. What We Will Pay Under Cancellation Or Postponement Coverage
We will pay, up to the limit of wedding insurance, the following costs you or the Honoree incurred in connection with the Private_Event up to the time it was Canceled or Postponed, and which you or the Honoree cannot have refunded by
the vendor:
(01) costs to rent the premises where the Private Event was to be held;
(02) transportation costs, such as limousines and air fares incurred in connection with the Private Event;
(03) cost of Professional catering services;
(04) cost of hotel accommodations incurred in connection with the Private Event;
(05) Professional photographers’ fees, Professional musicians’ fees and Professional florists’ fees;
(06) Professional dressmakers’ fees, Professional tailors’ fees and cost to rent Special Attire. But we will not pay dressmakers’ fees or tailors’ fees for any Special Attire which is retained by you, the Honoree, or any attendants of the Honoree;
(07) if the Private Event is a wedding, cost of transportation and hotel accommodations or any similar non-refundable costs incurred in connection with the honeymoon; and
(08) any similar nonrefundable costs you or the Honoree incur in connection with the Private Event.
b. Exclusions-What We Do Not Cover Under Cancellation Or Postponement Coverage
(01) Advice Of Physician
We do not cover any expenses incurred if the Private Event is Canceled or Postponed due to Bodily Injury to any person if the Private Event was scheduled against the advice of that person’s medical doctor. But this does not apply if the Bodily Injury was not related to the condition that led to the advice.
(02) Bodily Injury
We do not cover any expenses incurred if the Private Event is Canceled or Postponed due to Bodily Injury to any person caused by or resulting from:
(a) a self inflicted injury;
(b) the use of alcohol or drugs;
(c) insanity of any person;
(d) military operations of any kind;
(e) aircraft. But this does not apply to Bodily Injury to a fare paying passenger of a regularly scheduled aircraft;
(f) taking part in any hazardous sport or activity, including but not limited to;
(aa) hunting;
(bb) skiing or sledding;
(cc) racing of vehicles of any kind;
(dd) skin diving or sky diving;
(g) a pregnancy which began before the inception date of this policy. But this does not apply if the expected delivery date is more than 60 days after the date the last Private Event, as shown on the Declarations page, is scheduled to take place.
(03) Criminal Conduct
We do not cover any expenses incurred if the Private Event is Canceled or Postponed because you or the Honoree are arrested or imprisoned for any criminal activity.
(04) Death From Known Circumstances
We do not cover any expenses incurred if the Private Event is Canceled or Postponed due to the death of anyone who was diagnosed as terminal prior to the application date of this policy. But this does not apply if death resulted from a cause not related to the diagnosis.
(05) Decisions Of You Or The Honoree
We do not cover any expenses incurred if the Private Event is Canceled or Postponed due to a decision by you or the Honoree not to proceed with or take part in the Private Event or any accompanying ceremony or ritual. But this does not apply to Change Of Heart by an Honoree if all of the following conditions have been met:
(a) the person(s) responsible for financing the Private Event are not the Honoree and had no prior knowledge of a pending Change of Heart by the Honoree;
(b) the Private Event is Canceled no less than the number of days shown under the Change of Heart coverage on the Declarations page prior to the date the first Private Event, as shown on the Declarations page, is scheduled to take place; and,
(c) A limit is shown for Change of Heart coverage on the Declarations page.
The amount we will pay for Change of Heart coverage is included within and is not in addition to the Cancellation Or Postponement limit of wedding insurance.
(06) Failure To Notify
We do not cover any expenses incurred because you or the Honoree fail to notify, as soon as practicable, any vendor hired to provide goods or services for the Private Event that it has been Canceled or Postponed.
(07) Known Circumstances
We do not cover any expenses incurred if the Private Event is Canceled or Postponed due to circumstances which you or the Honoree knew at the time you applied for this policy were likely to cause the Private Event to be Canceled or Postponed.
(08) Lack Of Funds
We do not cover any expenses incurred if the Private Event is Canceled or Postponed due to lack of funds. But this does not apply when the lack of funds is caused by the unexpected unemployment of you or the Honoree and the unemployment qualifies or will qualify for the payment of state unemployment compensation. The unemployment
must have occurred after this policy was issued.
(09) Nonappearance Or Unavailability
Subject to items (01) through (08) above and items (10) through (15) below, we do not cover any expenses incurred if the Private Event is Canceled or Postponed due to the nonappearance or unavailability of any person. But this exclusion does not apply to you, the Honoree, the Immediate Family of the Honoree, the person engaged to perform the ceremony or ritual, and if the Private Event is a wedding or a Commitment Ceremony, any attendants of the Honoree.
(10) Nuclear Action Or War
We do not cover any expenses incurred if the Private Event is Canceled or Postponed due to Nuclear Action or War.
(11) Regulation Or Law
We do not cover any expenses incurred if the Private Event is Canceled or Postponed due to any regulation or law of any local, state or federal authority.
(12) Riot Or Civil Commotion
We do not cover any expenses via wedding insurance incurred if the Private Event is Canceled or Postponed due to civil commotion or riots. But this does not apply if a civil authority:
(a) forbids all access to the area where the Private Event is to take place, as long as you and the Honoree have made all reasonable efforts to find another place to hold the Private Event; or
(b) limits access of all persons to the area in such a way that the Private Event cannot be held as planned, as long as you and the Honoree have made all reasonable efforts to find another place to hold the Private Event.
(13) Strikes Or Lockouts
We do not cover any expenses incurred if the Private Event is Canceled or Postponed due to strikes or lockouts. But this does not apply to strikes or lockouts which take place at the premises where the Private Event is to take place which prevent the Private Event from taking place, as long as you and the Honoree have made all reasonable efforts to find another place to hold the Private Event.
(14) Vendor Acts & Omissions
We do not cover any expenses incurred via wedding insurance if the Private Event is Canceled or Postponed due to acts or omissions of anyone hired to provide goods or services for the Private Event. But this does not apply to acts or omissions committed:
(a) by the person who was engaged to perform the ceremony or ritual which is part of the Private Event which prevent the Private Event from taking place;
(b) by the person or entity from whom you or the Honoree hired the premises where the Private Event was to take place which prevent the use of such premises for the event; or
(c) by the person or entity from whom you or the Honoree hired the Professional catering services for the Private Event; as long as you and the Honoree have made all reasonable efforts to arrange for other services or to find another place to hold the Private Event.
(15) Weather Conditions
We do not cover any expenses incurred if the Private Event is Canceled or Postponed due to weather conditions. But, if the inception date of this policy is at least 14 calendar days prior to the date the first Private Event, as shown on the Declarations page, is scheduled to take place, this exclusion will not apply to Extreme Weather Conditions which:
(a) prevent you, the Honoree, the Immediate Family of you or the Honoree, the person who was engaged to perform the ceremony or ritual which is part of the Private Event, or if the Private Event is a wedding or a Commitment Ceremony, any attendants of the Honoree, or more than 50 percent of the guests from reaching the premises where the Private Event is to take place; or
(b) damage to the premises where the Private Event is to take place, preventing them from being used for the event, and you and the Honoree have made all reasonable efforts to find another place to hold the event.
02. Additional Expense Coverage
We cover the additional expenses over and above the original invoice cost via wedding insurance that you or the Honoree incur:
a. to arrange alternate services for the Private Event; or
b. to hire another site to hold the Private Event,
in order to prevent a covered cause of loss from causing the Private Event to be Canceled or Postponed.
03. Photographs And Video Recording Coverage
You and the Honoree have this coverage only if a limit of wedding insurance is shown for it on the Declarations page. We cover the expenses you or the Honoree necessarily incur to have Photographs retaken or a video recording remade if:
(01) the Professional you or the Honoree hired to take the Photographs or make the video recording fails to appear at the Private Event;
(02) the original film, digital photograph or video recording produced by the Professional is lost or damaged before copies are made of them due to any cause not excluded; or
(03) the exposed film produced by the Professional does not develop.
a. What We Will Pay Under Photographs And Video Recording Coverage
When the loss or damage is to Photographs or video recording , we will pay, up to the limit of insurance:
(01) the round trip travel expenses incurred by the Honoree, the Immediate Family of the Honoree, and attendants to reassemble for Photographs or video recording to be retaken, including:
(a) coach class air fare to and from any place within any state of the United States for those persons living more than 200 miles from the place where Photographs or video recording will be retaken;
(b) mileage at $0.30 per mile, tolls and parking fees for those who drive to the place where Photographs or video recording will be retaken;
(c) up to $750 per person for meals and lodging incurred while traveling;
(02) costs you or the Honoree incur to rehire a Professional photographer or Professional videographer;
(03) costs you or the Honoree incur to rent a premises to stage the Photographs or video recording and to buy a cake and flowers; and
(04) costs you or the Honoree incur to rent necessary Special Attire.
b. Exclusions-What Wedding Insurance Does Not Cover Under Photographs And Video Recording Coverage
(01) Confiscation Or Detention
We do not cover loss or damage to Photographs or video recordings caused by confiscation or detention.
(02) Nuclear Action Or War
We do not cover loss or damage to Photographs or video recordings caused by Nuclear Action or War.
(03) Ordinary Causes
We do not cover loss or damage to Photographs or video recordings caused by:
(a) wear or tear, gradual deterioration;
(b) insects, moths or vermin; or
(c) wetness or dryness of atmosphere.
(04) Photographs Or Video Recording Quality
We do not cover loss due to the failure of the Photographs or video recordings to meet your expectations of clarity, content, focus, form, overexposure, quality, style, or underexposure.
(05) Sound Quality
We do not cover loss or damage to video or audio recordings due to the absence, clarity or quality of sound on any recording.
(06) Video Recording
We do not cover loss or damage to any video recording unless there has also been loss or damage to Photographs by a covered cause of loss.

That’s it for today. We’ll go over part 3 soon. In the meantime, dissecting this policy should help you determine whether getting wedding insurance is an option for you.

A Sample Wedding Insurance Policy Part I

I get so many questions about what is covered with wedding insurance that I thought it would be a good idea to get a sample policy posted.  This Fireman's Fund sample policy will not give you a good idea of what will be covered--it will give you exactly what's covered!  It's better to see the actual wording so you can determine if coverage is right for you.  This sample policy can also be found here.

PRIVATE EVENT CANCELLATION INSURANCE
A. Insuring Agreement
In reliance on the statements you made to us, we agree to provide the insurance described in this policy. In return, you must pay the premium and comply with the policy terms. By accepting this policy, you agree that:
01. The statements in the Declarations and the application are your agreements and representations;
02. We have issued this policy in reliance on the truth of such representations; and
03. This policy contains all agreements existing between you and us, or any of our agents.
Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights, duties, and what is and
is not covered.
IMPORTANT NOTICE:
YOU HAVE ONLY THOSE COVERAGES FOR WHICH LIMITS ARE SHOWN ON THE DECLARATIONS PAGE.
B. Definitions
Throughout this policy, the words “you” and “your” refer to the Named Insured shown in the Declarations. “You” and “your”
also refer to the legal spouse of the Named Insured, if a resident of the same household. The words “we”, “us” and “our” refer
to the insurance company providing this wedding insurance. Other words and phrases that appear in bold face type have special meaning.
They are defined as follows:
01. Bodily Injury means bodily harm, sickness or disease. It includes death that results from any of these.
02. Canceled means to completely call off or to completely terminate the Private Event in its entirety.
03. Change Of Heart means a decision by an Honoree not to proceed with or take part in the Private Event or any
accompanying ceremony or ritual.
04. Commitment Ceremony means a social event celebrating a homosexual relationship, or a same-sex wedding.
05. Domestic Partner means an individual who:
a. is financially interdependent with you and with whom you are jointly responsible for each other’s common welfare;
b. intends to remain in a committed relationship;
c. shares the same living quarters and permanent address;
d. is not so closely related by blood that legal marriage would otherwise be prohibited;
e. is at least age 18 and like you, not legally married to another person;
f. has not been in a different domestic partner relationship within the last 12 months; and,
g. is in the current domestic partner relationship which has been in effect for at least 12 months.
06. Extreme Weather Conditions means intense or catastrophic weather conditions including but not limited to flood,
earthquake, volcanic eruption, hurricane, tidal wave, tornado, typhoon, cyclone, blizzard, ice storm, windstorm with winds
in excess of 65 miles per hour, or similar conditions.
07. Fireworks means any device consisting of explosives or combustibles set off to generate light, smoke or noise for
amusement. Fireworks includes but is not limited to sparklers.
08. Gifts means any item of personal property which is given to the Honoree in connection with the Private Event.
However, Gifts does not include:
a. cash or checks in amounts greater than the amount shown on the Declarations under Cash or Checks Limit;
b. other cash equivalents, including but not limited to, bank notes, coins, bullion, gold other than goldware, silver other
than silverware, platinum, tickets, securities, money orders, revenue stamps, other stamps in current use, tokens, smart
cards or stored value cards;
c. accounts, bills, deeds or an evidence of debt;
d. passports or other documents;
e. self-propelled vehicles that are designed for highway use; or
f. aircraft.
09. Honoree means the person or persons named in the Declarations as Honoree, and in whose honor or for whose benefit the
Private Event is being held.
10. Hostile Fire means a fire which is unintended, breaks out from where it was intended to be, or becomes uncontrollable.
11. Immediate Family means the following Relative(s):
a. spouses;
b. domestic partners;
c. grandparents;
d. parents;
e. siblings; and
f. children.
12. Insured Contract means a written agreement for the use of the premises or facility where the Private Event is to take place.
13. Leave of Absence means the official written permission granted to you or the Honoree by any branch of the United States
Military, police or fire service to be absent from work or duty to attend the Private Event.
14. Medical Expense means the reasonable and necessary cost of the following services:
a. medical, surgical, x-ray and dental services;
b. prosthetic devices, eye glasses, hearing aids;
c. medicinal drugs; or
d. ambulance, hospital, licensed nursing and funeral services.
15. Named Insured means the individual shown on the Declarations as the Named Insured. The Named Insured also includes
the following as insureds:
a. the legal spouse of the Named Insured, if a resident of the same household;
b. other residents of the Named Insured’s household who are:
(01) relatives of the Named Insured;
(02) a Domestic Partner of the Named Insured; or
(03) any person under the age of 25 in the care of a person described above.
If your spouse or Domestic Partner stops being a resident of your household during the policy period or prior to the
inception of this policy, they will be considered an insured under this policy until the earlier of:
a. the end of 90 days following their change of residency;
b. the effective date of another policy listing him/her as a Named Insured; or
c. the end of the policy period.
16. Nuclear Action means nuclear reaction, discharge, radiation or radioactive contamination. It includes any consequence of
any of these. Loss caused by Nuclear Action is not considered loss by fire, explosion or smoke. However, direct loss by
fire resulting from Nuclear Action is covered.
17. Occurrence means:
a. under Private Event Cancellation Wedding Insurance Property Coverage, an accidental loss to covered property.
b. under Private Event Cancellation Insurance Personal Liability Coverage:
(01) an accident, including continuous or repeated exposure to similar harmful conditions which results in Bodily
Injury or Property Damage; or
(02) an act or series of related acts which results in Personal Injury.
18. Personal Injury means injury other than Bodily Injury that arises out of any of the following acts:
a. false arrest, false detention or false imprisonment;
b. malicious prosecution;
c. wrongful entry or wrongful eviction;
d. defamation, libel or slander; or
e. invasion of privacy.
19. Photographs means any still photographs which are taken of the Private Event by a Professional photographer.
20. Policy Period means the time this policy is in effect from the date and hour shown in the Declarations as “Inception Date”
until the date and hour shown in the Declarations as “Expiration Date”.
21. Policy Territory means:
a. under Private Event Cancellation Insurance Property Coverage, the United States, its territories and possessions, Canada,
other locations as specified on the Declarations page, and cruise ships leaving there from.
b. under Private Event Cancellation Wedding Insurance Personal Liability Coverage, the United States, its territories and
possessions, Canada and cruise ships leaving there from.
22. Pollutants mean any solid, liquid, gaseous, or thermal irritant or contaminant, including smoke, vapor, soot, fumes, acids,
alkalis, chemicals and waste. Waste includes materials to be recycled, reconditioned or reclaimed.
23. Postponed means to delay or to defer until a future date and time. However, Postponed does not mean to delay or to defer
by a matter of hours.
24. Private Event means the private party or festivity described in the Declarations which is scheduled to take place at the
date and place shown in the Declarations. It includes only those activities that are described in the Declarations as taking
place at a specific place and date.
25. Private Event Site and Private Event Site Insured means the facility, site or venue where the Private Event is scheduled
to take place.
26. Professional means a person who engages in a given activity for the general public as a source of livelihood or as a career.
27. Property Damage means physical injury to or destruction of tangible property. Wedding insurance includes loss of use of such property.
28. Relative means a person related by blood, marriage or legal adoption.
29. Rented Property means any item of personal property that you or the Honoree rent from others to facilitate the
production of the Private Event. It includes but is not limited to, temporary outdoor shelters, such as tents or marquees,
tables, chairs and stages. Rented Property does not include:
a. property borrowed by you or the Honoree, or property loaned to you or the Honoree;
b. precious stones, jewelry or similar items of value;
c. paintings, statuary or other works of art or valuable papers;
d. property while waterborne, unless on a transporting land conveyance aboard any regular ferry operating on inland
waterways;
e. any aircraft, motorized land vehicle or watercraft; or
f. Special Attire.
30. Special Attire means the clothing, including but not limited to hats, gloves and shoes, that you or the Honoree buy or rent
specifically to be worn at the Private Event by:
a. you;
b. the Honoree; or
c. any attendants of the Honoree.
Special Attire for wedding insurance does not include watches, jewelry or precious or semi-precious gemstones or pearls, even when attached to
clothing.
31. Vendor means any person or entity hired to provide any goods or any services for the Private Event.
32. War includes:
a. undeclared war, civil war, insurrection, rebellion or revolution;
b. warlike act by a military force or military personnel;
c. destruction or seizure or use for a military purpose;
d. discharge of a nuclear weapon, even if accidental; or
e. any consequence of any of these. But this does not apply to a Leave of Absence which is canceled or withdrawn.

This is part 1 of a series in which we will show an actual sample of a policy for insurance coverage.  Again, proper credit must be given so this sample can be found through insurevents.com.  If you're on the fence or have questions regarding wedding insurance, I hope this helps to answer some questions.

Should YOU Get Wedding Insurance?

Should you get wedding insurance?  That is the big question.  And it all depends on your ability to stomach the risk of losing thousands upon thousands of dollars!  Every year, engaged couples put up to 300 hours of work into this one day.  Their financial investment averages close to $34,000 dollars in 2010.  How much is your car worth?  Do you insure it?  Just a thought.  I'll end this article with a story that will illustrate why getting insurance may be worth it.

First, here are some things wedding insurance should cover:

•Change of heart Insurance:  "I'm sorry honey, but I just can't marry you."  Hearing those words 8 to 12 months before the nuptials would be manageable, but if those words are followed by these, "Now I'll turn around and tell all of our friends and family here at our ceremony," then you've got a problem!  If you're a runaway bride or a skittish groom, or perhaps you don't realize this yet, then I have some good news for you.  Fireman's Fund will provide "change of heart" coverage depending on your circumstances. To qualify, a policy holder would need to prove that they were an innocent party and that they were the one victimized.  What then happens is the bride's parents will most likely be able to get their deposits and such back, thereby saving enough money or the next wedding--if they are willing to roll the dice again, that is!

•Existing Medical Conditions Insurance:  It turns out, if you have some kind of preexisting condition, you will be hard pressed to find a policy that will cover your wedding. Then again, if your grandmother has a stroke and you have to postpone everything until she gets her marbles back, then you should be covered.  If you happen to have some medical issue like chronic allergies, a heart murmur, or your crazy kidney stones, my advice to you is...shhhh!  They're not gonna know!  Shhhh. Obviously I'm joking...I am by no means advocating insurance fraud.

•Liability Insurance:  Liability means it is not your fault!  If Joey the bachelor groomsman decides to play air guitar and do the splits and ends up pulling a groin or ripping himself in half, he can't sue you for it.  Well, he can, but he'd lose.  Most locations do provide some kind of liability insurance, so you might not need to foot the bill for this type of wedding insurance coverage.  If it turns out your Aunt Gabby tends to periodically burst into flames, I would recommend double coverage.

•Lost or damaged formal wear Insurance: The most common claim made to wedding insurers isn't that the groom turned out to be a bum--I wanna refund.  No, lost, stolen, or damaged wedding gowns would take first place.  This surprised me, since guys are usually dumb as a box of rocks, I was sure "tuxedo sucked into the pool filter cleaner" would have been the most.

•Photography Insurance: From my experience, most photographers are at least adequate so you'll end up with at least adequate photos.  If your photographer is an artiste of unparalleled ability, it won't matter one snapper if his digital flash cards get snatched.  I was at one wedding where someone walked in during dinner and took three camera bags full of $15,000 worth of camera equipment (yes, those lenses are mega-pricey).  This would have been okay if the photographer didn't leave the flash cards in the bag!  All the photos were lost, from the toasts and back through the first dance, grand entrance, post ceremony cocktail hour, recessional, vows...you get the picture (actually, you don't, since there were no pictures, lol!).  Most likely the photos will be fine, as long as they don't grow legs and walk out!  With wedding insurance, you can at least get everyone dressed up once again and fake your way through the day.

•Stolen or damaged wedding gifts:  Just like the camera bags growing legs and walking out, so might your wedding gifts!  I've heard that some thieves will dress in nice suits and/or dresses and some even snatch employee clothes before loading up your gifts onto a luggage cart, pretending to take them to your honeymoon suite.  Even with the trend of wedding guests mailing your gifts to you, there's always a chance they will get damaged in the mail. Rather than deal with the post office, going directly through your wedding insurance carrier should save you time and headache.

•Sudden death or illness:  You just never know in this day and age.  God forbid you, your future-to-be, a parent, etc. lose their life or ability to participate in the wedding day.  It could turn one of the happiest days of your life into the most tragic.  It would be so much better to have wedding insurance so you could reschedule to give yourself some time to cope and to recoup most of your losses. 

What else could go wrong? Plenty, but we don't need to go into those things, since these are the most common and biggest issues facing brides and grooms that insurance will cover.  Now, onto the story I mentioned earlier.  I was at a wedding reception with about 250 people where there were small candles on each table.  So, 250 tables, 10 people per table, 25 tables, what are the odds of the following happening?  Right before the grand entrance, an aunt decides to reach across the table to admire the centerpiece.  She was wearing a very sheer wrap that got a little too close to one of the table candles and WHOOSH! Up in flames went the wrap.  She didn't get the darn thing off quick enough and her blouses caught on fire, too.  She burned up pretty good, her previously covered skin now exposed, some of it red and raw and some charred black.  She was in agony.  They rushed her out to the foyer and waited a few minutes for an ambulance to arrive.  Now here comes the ridiculous part. She sued the bride (her neice) for medical costs and punitive damages! What a B--ad person, right?  Worse, she sued the location, which settled and decided to go after the same bride & groom to recoup.  This nightmare could have been averted if they spend $128 on wedding insurance.
 So I leave you with that.  If you don't get wedding insurance, do so at your own risk, but at least make sure all of your wedding vendors carry some kind of coverage.  If you don't want to have any kind of unsettling feelings on your wedding day, then wedding insurance may be the answer to all of your concerns.

What is Wedding Insurance and What Does It Cover?

What is Wedding Insurance?
Wedding insurance is an insurance policy for you just in case your groom ends up being a loser and a jerk.  With a policy, you'll be able to replace your current groom with a new one within one year of the wedding date.  If your groom becomes a fat slob, this will most likely not be covered as this is what becomes of most men, married or not.

Just kidding!  But wouldn't that be something?  Wedding insurance is just what it sounds like; it is an insurance policy that financially protects you against misfortunes and mishaps related to particular aspects of your wedding. Some aspects that might be covered by your insurance policy include the following:

• Weather: This is a BIGGIE! If your wedding needs to be postponed or rescheduled due to inclement weather, your insurance policy may pay for you to have a new wedding on another day.  
• Acts of God:  Massive earthquakes (can you say Haiti? Chile?), fires (A southern California staple), or even your reception site collapsing into itself will most likely be covered.  
• Illness/Injury/Death: God forbid you or someone in the wedding party or family become gravely ill just before your wedding day and they end up not being able to come.  Then again, if that irritating "gropey" uncle catches whooping cough, you might pay extra for that to actually happen!
  
• No Show Minister: Your insurance will most likely let you recoup some of your costs if the minister/rabbi/priest/officiant/justice o' the peace falls off the wagon and pulls a no-show.  I would add, have a friend get ordained online (it's free, it's easy, and it's legit!)--did I mention it's free?--and make sure your pastor emails a copy of the ceremony to you.  This way, he can step in and tie your knot for you.
  
• No Show Vendors: Likewise, if your cake, photographer, or DJ (especially your DJ!) flakes, I'm sure your insurance will take care of you.  And even then, you can still sue the no-show company for at least a refund, plus punitive damages.  Go get 'em, bride girl!!!
  
• Your Location: Let's say your wedding location decides they are going to do some renovating right before your wedding date.  They promise everything will be complete waaaaay before your date, yet the week of your wedding, they aren't even half done.  Getting insurance will help alleviate your anxiety of this happening to you!  Also, if the location doesn't already have their own insurance, your policy may cover you if someone breaks a chandelier or Uncle Gropey decides to show up and fondle a food server and gets sued for sexual harassment!

Some other riders you can add:

• Your Gowns and Tuxedos:  What if your dress gets burned up in a store fire?  What if your tux smells like indian food in a used baby diaper?  First, don't wear it!  Second, get wedding insurance to cover you in case you need to replace these once in a lifetime garments. 
• Military Service:  We are at war as I write this so if you're in the military there may be a chance you will get called to duty.  First, thank you for your service.  We, as a country, truly don't deserve you. Second, get insurance to cover yourself just in case this happens.
• Gifts: I was at a wedding once, where all the wedding gifts were stolen!  We're talking thousands of dollars worth of blenders, toasters, pots and pans and other various Crate N Barrel stuff. 
  
• Liability: This is to cover you in case some idiot decides to do a stage dive and everyone else decides to ignore him.  If someone breaks their beak at your wedding, most likely your location will have the insurance, but you can always cover yourself, just in case.
  
• Honeymoon: Cover yourself in case of illness, bad weather or other unfortunate circumstances.  Isn't it funny how most weddings are in the summer and most honeymoons are somewhere tropical and most hurricane seasons are in the summer and somewhere tropical?  Work the odds, get insurance!

Hope you learned a bit about what wedding insurance is and what it covers. I'll be going over things wedding insurance typically doesn't cover next time.  In the mean time, get your wedding insurance to get your peace of mind!

Get Wedding Insurance Or Get Depressed!

Here's a picture of what you might look like of you don't get wedding insurance! For the price, it will always be worth it!

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