Wedding insurance, sometimes called wedding cancellation insurance, can offer peace of mind as expenses begin to add up. Unfortunately, unforeseen circumstances can put a damper on your special day. Maybe it’s a bridal store that shuts its doors before delivering your wedding gown, a caterer that goes bankrupt days before guests arrive, a limo driver who fails to show up, winter storms that force a postponement or military leave that is cancelled.

“Wedding insurance is a great way to be protected from the unforeseen, especially when weddings can be so costly,” said Shelley Glause, education and outreach manager for the Better Business Bureau serving Northern Colorado and Wyoming.

The BBB answers the top four questions about wedding insurance:

What does wedding insurance cover? Wedding insurance can cover a range of prospective problems such as vendor no-shows, cancellations, inclement weather, military deployment, medical emergencies, travel delays and more. There is usually a specified maximum amount, which can be claimed under each section, and a deductible also applies. Be sure you are clear about what your policy covers – and doesn’t cover (such as cold feet) – before purchasing.

How much does wedding insurance cost? A basic insurance policy that covers loss of photos, videos, attire, presents, rings and deposits usually costs between $155 and $550, depending on the amount of coverage. General liability insurance, which covers up to $1 million for accidents, costs around $185.

Do you really need wedding insurance? Maybe not. Check with each of your vendors to see how well they're covered and check their BBB Business Reviews at wynco.bbb.org to ensure each is a reputable business. Your reception site or caterer may already have their own insurance, so you wouldn't want to pay for overlapping coverage. Make sure to get everything in writing and ask vendors for a copy of their policy to see where you aren't fully covered.

When should you get wedding insurance? The rule of thumb is to purchase coverage before making deposits and purchases for the event. Some insurance companies will let you take out coverage as far in advance as two years or just 24 hours before your big day – provided you have copies of all receipts and contracts.

Start With Trust. For trustworthy consumer tips and information, visit wynco.bbb.org or call 970-484-1348 or 800-564-0371.

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