Wedding Insurance..One of the most important things you NEVER heard of

Most times when I ask a question about Wedding Insurance I get a blank stare or maybe a courtesy laugh (they think its a bad insurance joke). We even spoke with a huge local wedding expo and the had never heard of wedding insurance. So, what is this elusive product that I am calling the most important thing you never heard of? Wedding insurance is a product that provides you with certain coverage that will be for property damage, lost deposits, cancellation fees, and most importantly LIQUOR LIABILITY. The average cost of a wedding in 2008 was $27,000. So name another thing in your life that you pay that much for without having any insurance to protect you. While most policies have slight variations they have one thing in common..they are very inexpensive. Wedding insurance can run anywhere from around $160 to $2000 if you were throwing an enormous celebrity style wedding. If you have to reschedule a wedding due to a bride or groom being ill, or if there is a horrible storm and you lose your deposit you will get reimbursed. The biggest thing that wedding insurance does is gives you protection from liability lawsuits resulting from consumption of alcohol. Did you know that if someone leaves your function and gets into a wreck and is found to be intoxicated, that you can and probably will be named in the lawsuit. Drunk driving accidents usually bring claimants millions of dollars due to negligence. If you are having alcohol served at your wedding, then this insurance is a must. At the end of the day your wedding day is one of the most important days of your life and having the right protection gives you the piece of mind to focus on the things that matter most.