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Are you about to tie the knot? Or are you planning an event for a couple who is about to?
Whichever question you’ve said yes to, congratulations, in advance. Few experiences can match the romantic and spiritual commitment of marriage — and the same goes for witnessing or facilitating one first-hand.
If you’re getting married or planning one on behalf of a couple, you must ensure that everything goes smoothly. Between the planning phase and the wedding day, many things can happen. For this reason, you’ll need a layer of protection if things go South on the day of the wedding.
We’re talking about wedding insurance. Wedding insurance is a specific type of event insurance that covers contingencies that can prevent the wedding from happening.
A wedding ceremony will require you to add wedding or event insurance for the actual nuptial day. Of course, you’ll also need to change your insurance policies to prepare you for the milestones of married life.
Learn more about wedding insurance and how your wedding will change your insurance needs.
Why You Need Wedding Insurance
Leading up to your wedding day, you’ll be making preparations. Several of these pre-wedding preparations will include the venue, vendors, and other critical parts of the wedding celebration.
With many moving parts determining your wedding celebration’s success, things can go wrong. The venue may cancel. Inclement weather may prevent the wedding from taking place. Also, vendors may mix up party favors.
If anything goes wrong, you’ll have wasted thousands of dollars on a wedding that didn’t take place.
However, with wedding insurance, you’ll receive reimbursements as part of the event insurance coverage. The reimbursements will enable you to recover your money and reschedule your wedding. After that, you can bet that your wedding day will be a swinging success.
Your Insurance Needs After Your Wedding
As a newlywed, you can expect your insurance needs to change in coverage, particularly in critical areas like health and home insurance.
When it comes to your health insurance, you’ll have two options. You can purchase a separate policy for your spouse, or you can add your spouse to your existing policy as a dependent.
If you’re purchasing a home jointly, home insurance will be a must. However, since you’re married, some insurance providers can offer a discount.
Your auto insurance needs will also change. You may need more comprehensive coverage for your spouse and — sooner or later — children. In particular, you’ll need higher collision coverage to cover medical expenses in the event of a car accident. As you can imagine, your premiums may increase significantly.
In short, being married necessitates broader insurance coverage. To determine what your needs will be, it’s always a good idea to speak to an insurance agent about competitively priced policies.
For Insurance That’s With You for Life, Call DPS Insurance
Whether it’s before the big day or after, you’ll need insurance that protects you from everything life throws at you.
Reach out to us at DPS Insurance today for comprehensive and competitively priced policies for your wedding day and everything that comes after.
