It’s hurricane season here in Florida. Many people don’t realize that it actually runs June 1st - November 30th which is totally during the most popular time for weddings here in Florida. I’ve been in Tampa 11 years now. We generally haven’t had to worry about hurricane’s much, but last year Irma was definitely a threat and made us re-think what we would do if there was a hurricane. A wedding is such a big investment and while it may feel like you have all of the major details of your wedding covered, there are some things you just can’t plan for. Though it may be hard to think about your special day being anything less than perfect, the reality is disaster can strike. Whether it’s a damaged gown or a last minute cancellation, an unexpected setback can put a damper on your wedding day. The good news is there are several things you can do to make sure that your special day goes just as expected! Check out these helpful tips below.
Protect Your Carat
From the moment your partner gets down on one knee and pops the question, chances are you’ll be rocking a shiny new addition on your ring finger. While it may be the last thing on your mind during such an exciting and happy time, it is important to take the proper steps to ensure that your ring(s) is protected forever. While anything happening to your engagement ring or wedding band is heartbreaking, knowing that it has been properly insured can make the situation less stressful if you happen to lose your ring or it is stolen.
Ring insurance works just like any other type of insurance, but covers engagement rings and other valuables. There are several different ways that you can insure your engagement ring. If you already have renter’s or homeowner’s insurance you can go through your existing policy to cover your jewelry. However, keep in mind that having a homeowner’s or renter’s insurance policy does not mean that all of your jewelry is covered automatically. In order to make sure that your engagement ring is adequately covered you will need a homeowner’s or renter’s insurance “rider”. This is an optional add-on that will provide higher coverage limits and protection from more kinds of risk.
The other option is to buy jewelry insurance. An engagement ring is a huge investment so it is important to insure your ring as soon as possible. Many jewelers, such as Blue Nile, not only make it easy to purchase an engagement ring online, but also provide you with important information on how to insure your jewelry directly on their website. Many jewelers have relationships with insurance providers, so they can help you start the process of insuring your ring.
Protect Your Special Day
It’s easy to plan for the things that we know and expect, but what about if the unexpected happens? While it may be difficult to think about, accidents such as a sudden cancelation or accidental damage to your venue, or even a hurricane can happen on your wedding day! Rather than spending your big day worrying about the unexpected happening, you can purchase wedding insurance. Wedding Protector is a great online resource and affordable!
Examples of coverage include:
Cancellation/Postponement can provide coverage for certain deposits listed in the policy in the event of a necessary cancellation or postponement of the wedding.
Wedding venue suddenly goes out of business or inaccessible,
Sudden illness prevents the honorees, parents, grandparents or children of honorees from attending,
Unexpected called to duty.
Additional Expense can provide coverage for certain unexpected expenses you have to incur in order to avoid a cancellation or postponement of your wedding. For example, if a caterer or transportation company suddenly becomes unavailable for your event and you can find a last minute replacement, this coverage can reimburse you for the difference in cost up to 25% of the original contract price.
If catastrophic weather causes you to cancel or postpone the wedding, we can provide reimbursement for non-recoverable expenses.
As equally as important, make sure all your vendors are professional, licensed, and insured. While this may sound a little nerve wracking, it is always better to be over prepared than underprepared!! Marry Me Tampa Bay also published a great article on this exact topic, check it out HERE for more detail!