ADVICE Wedding insurance doesn't cover change of heart


Author explains the advantages and disadvantages of such a policy.
KNIGHT RIDDER TRIBUNE
NEW YORK -- If you're getting married, do you really need wedding insurance?
Consider your needs and what a policy covers before you decide, according to Alan Fields, author of the book "Bridal Bargains." Wedding insurance premiums start at $155, and they don't cover many of the things that may go wrong -- such as if the bride or groom wants out of the relationship.
"In that case, don't think wedding insurance will save you," said Fields. "It doesn't cover a change of heart." It may cover counseling for the bride and groom in the event of a postponed or canceled wedding, though.
Among the other things typically covered by wedding insurance are the following:
UAccidents at the wedding or while guests are on their way home.
UVendors who don't show up.
UCancellation by the event site.
UDamage or destruction of wedding attire.
ULost wedding rings.
UThefts of gifts or jewelry.
UIllness among key members of the wedding party.
ULoss of rental property.
You'll also be insured against bad weather, but only on the level of a natural disaster such as a blizzard or a hurricane.
Restaging is possible
Wedding insurance also can help with wedding restaging should something major go awry. For example, if your photographer or videographer doesn't show up, insurance will cover a reshoot -- your complete bridal party at the wedding location to stage moments such as the kiss, cutting the cake, etc.
You might consider wedding insurance, said Fields, if your venue requires you to have liability insurance. In that case, wedding insurance may be an affordable alternative with a few added protections.
Two of the major providers of wedding insurance are WedSafe, at www.wedsafe.com and R.V. Nuccio at www.rvnuccio.com.

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