Liability wedding insurance is a separate type of coverage. It covers injury or property damage resulting from your celebration bash. So, you're covered if a drunken guest breaks a leg and sues you.Of course, instead of purchasing a separate wedding liability policy, you could simply add a special liability rider to your homeowners policy. But this does not cover postponement, only injury or property damage.
Also, "if you need to file a claim, there's a chance that could impact your rates down the line," says Lauro.
That's not a worry with wedding insurance.
"This is a standalone policy and a claim on a wedding policy would not impact auto or homeowners insurance rates the policyholder has," says Martinelli.
Choosing your wedding insurance coverage
In addition to Aon, well-known insurance companies including Travelers and Fireman's Fund insure weddings. So do some boutique carriers.
A Fireman's Fund wedding insurance policy, offered through the National Alliance of Special Event Planners, also offers "change of heart" coverage in the event the bride or groom get cold feet.
"Neither the bride nor groom can purchase the Fireman's policy, and it must be purchased at least four months before the planned wedding date," says Martinelli.
However, your mother and father, great aunt Sally and anyone else who has a financial stake in the wedding can purchase this coverage.
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