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Wedding Insurance

Weddings are one of the most important events in life—and they're among the most expensive, too, with the average wedding now costing over $26,000. And, that's before the honeymoon, which tends to be another $5,000 all by itself. Given the sheer amount of time, effort, money, and planning that goes into a wedding, it makes sense to protect your funds invested in this event and make sure that unexpected problems don't result in the loss of your entire investment.

Before you begin shopping for wedding insurance, though, there are a few important things to know—like what parts of the event are covered and how liability can come into play.

Special Events Covered by Wedding Insurance

Here are the parts of a wedding that most policies cover:

  • Wedding Venues: While most permanent wedding venues (such as churches) have their own liability coverage, many weddings take place in unusual areas. In fact, about a quarter of all weddings are considered 'destination weddings' and are held in a non-traditional wedding venue. Unfortunately, unforeseen problems like weather, damage to the wedding site, or companies shutting down can make a chosen location inaccessible.
  • No-Shows: Most vendors try to show up to every event, but for whatever reason, there are times when they can't make it. One-time event insurance can reimburse you for any losses suffered as a result of their failure to attend.
  • Injury and Illness: If someone vital to the wedding—say, the bride—comes down ill or injured just before the event, there's a good chance it's going to be postponed until they're feeling better. Wedding insurance can cover these delays.
  • Job and Military Deployment: Similarly, if someone is forced to move (whether they're being deployed overseas as part of the military or simply moving to another city along with their company), delays can occur—and just like with illness and injury, wedding insurance can cover this.

It's important to note that most plans don't cover losses due to either party deciding to cancel the wedding due to a change of heart.

Event Liability Insurance

Weddings should also have basic liability coverage in case anyone is hurt during the event. For example, guests may have allergies to foods or perfumes brought in, or people trying to move a large object as part of the ceremony could trip and fall. The right coverage can ensure that a wedding won't end with the bride and groom facing a lawsuit they'll have to pay out of pocket to defend. Call David Tennant Insurance Agency today for a free quote and more information.

 

1. "Average Wedding Cost." Average Wedding Cost in the United States. Accessed April 18, 2016. http://www.costofwedding.com/.

2. "How to save on a Caribbean Honeymoon." Accessed April 18, 2016. http://experience.usatoday.com/beach/story/caribbean/2014/06/04/caribbean-value-honeymoon/9970857/.

3. "The Knot, The #1 Wedding Site, Releases 2014 Real Weddings Study Statistics." Accessed April 18, 2016. http://www.prnewswire.com/news-releases/the-knot-the-1-wedding-site-releases-2014-real-weddings-study-statistics-300049675.html.

Our Location

David Tennant Insurance Agency

1303 East Grand Avenue #111
Arroyo Grande, CA 93420
Main office: 805-706-0147
Fax: 805-474-8959

Our Providers

Testimonials

I have been a client of Dave Tennant for 9 years. Dave was referred to me by a friend, who said he was really good and, lo and behold, he, and his entire office staff ARE fantastic! I have stayed with Dave even though I live 90 miles away. Dave routinely shops for the best insurance coverage for your needs, and is happy and willing to modify coverage to adjust to changing circumstances. He is diligent and friendly, and even called me after a wildfire almost took my home, to make sure I didn’t need help with anything. I not only consider him my insurance agent, I consider him a friend. I would recommend him to anyone.

Lesley C., Santa Barbara, CA
For many years Dave has provided professional and personal service regarding my insurance needs. If you’re looking for an agent you can trust, call Dave.

Bob I., Arroyo Grande, CA
I have my car insurance with Dave Tennant since the early 80’s. He’s been with me through thick and thin, from Porsches to a few too many tickets and a pinch… he’s that kind of guy. Dave works hard to keep me on the road and covered, and at a darn good price. He’s good at fixing some unique situations too, from insuring Historical cars to Company cars. I’ve got three of them with Dave, and would trust him with anything… his word is his bond and you just can’t find a whole lot of that these days. Suffice it to say, I highly recommend him.

Al D., Playa del Rey, CA
I pride myself on being a savvy shopper! However, even I was amazed at the deep discounts coupled with un-paralleled value in my auto and renters insurance when I chose David Tennant Insurance Agency in Arroyo Grande, CA. Whenever I have a need, a question, or an opportunity to increase the value of my insurance package, Tennant Insurance always comes through with friendliness, accuracy and timeliness. From day one, Tennant Insurance has always given my financial and material safety their first priority. There is just no way that I can get the time honored value and commitment to my well-being during times of stress from any other insurance agency in town. David Tennant Insurance takes care of their customers like family. And you can’t beat that!

Julie S., Arroyo Grande, CA