{"id":8275,"date":"2016-04-25T12:03:39","date_gmt":"2016-04-25T17:03:39","guid":{"rendered":"https:\/\/theinsuranceshop1.com\/?p=8275"},"modified":"2016-03-03T14:02:35","modified_gmt":"2016-03-03T19:02:35","slug":"wedding-and-special-event-insurance","status":"publish","type":"post","link":"https:\/\/theinsuranceshop1.com\/?p=8275","title":{"rendered":"Wedding and Special Event Insurance"},"content":{"rendered":"<p>Often referred to as \u201cwedding\u201d insurance, special event insurance can be used to cover a 50th anniversary party, a bar mitzvah, a graduation party or any special occasion you might be planning. Special event insurance is designed to provide financial protection if you have to cancel or postpone a gathering due to adverse weather and natural disasters such as hurricanes.<\/p>\n<p>Most policies also provide coverage for cancellation due to the death, illness or serious injury of a key participants in the event, such as members of the immediate family. Also, if an officiant, such as a minister or rabbi, or a key vendor, like the caterer, florist or photographer, does not show up, you can recover some of the costs.<\/p>\n<p>Prices range from around $125 up to approximately $400 depending on the amount of coverage you need.<\/p>\n<p>Additional riders may include coverage for:<\/p>\n<ul type=\"square\">\n<li>Military service\u2014in the event the bride or groom is in the military or active reserves, and is suddenly called to duty.<\/li>\n<li>Gowns and tuxedos\u2014includes stores going out of business or damage to the clothing.<\/li>\n<li>Gifts\u2014if gifts are not covered by your homeowners or renters insurance, provides protection against theft or damage of gifts.<\/li>\n<li>Honeymoon\u2014in case you need to cancel your trip due to illness, bad weather or other circumstances.<\/li>\n<li>Professional counseling\u2014when the cancellation or postponement of the event causes severe emotional stress (a doctor\u2019s note will be needed).<\/li>\n<\/ul>\n<p>Many companies also offer separate liability insurance, but be aware that many event sites already have their own liability insurance. If you are holding the event at home, however, you may want to purchase liability insurance above and beyond what is provided under your homeowners policy.<\/p>\n<p>Before purchasing special event or wedding insurance, find out the following:<\/p>\n<ul type=\"square\">\n<li>Whether the insurance company is licensed to do business in the state where you live. This information is available from your <a href=\"http:\/\/www.iii.org\/article\/222975\" type=\"Internal Page\">State Insurance Department<\/a>.<\/li>\n<li>How much the policy will cost and how much reimbursement you can expect if a loss occurs.<\/li>\n<li>What, specifically, is and is not covered by the policy.<\/li>\n<li>Whether you have coverage elsewhere through credit cards, warranties or through home, auto or liability or other insurance policies you may already have.<\/li>\n<\/ul>\n<p><strong>Source<\/strong>: Insurance Information Institute\u00a0<a href=\"http:\/\/www.iii.org\/\">http:\/\/www.iii.org\/<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Often referred to as \u201cwedding\u201d insurance, special event insurance can be used to cover a 50th anniversary party, a bar mitzvah, a graduation party or any special occasion you might be planning. Special event insurance is designed to provide financial protection if you have to cancel or postpone a gathering due to adverse weather and &hellip; <\/p>\n<p><a class=\"more-link btn\" href=\"https:\/\/theinsuranceshop1.com\/?p=8275\">Continue reading<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[57,56,55,58,54],"class_list":["post-8275","post","type-post","status-publish","format-standard","hentry","category-general-insurance","tag-flight-insurance","tag-honeymoon","tag-special-event-insurance","tag-travel-insurance","tag-wedding-insurance","item-wrap"],"_links":{"self":[{"href":"https:\/\/theinsuranceshop1.com\/index.php?rest_route=\/wp\/v2\/posts\/8275","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/theinsuranceshop1.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/theinsuranceshop1.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/theinsuranceshop1.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/theinsuranceshop1.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=8275"}],"version-history":[{"count":2,"href":"https:\/\/theinsuranceshop1.com\/index.php?rest_route=\/wp\/v2\/posts\/8275\/revisions"}],"predecessor-version":[{"id":8277,"href":"https:\/\/theinsuranceshop1.com\/index.php?rest_route=\/wp\/v2\/posts\/8275\/revisions\/8277"}],"wp:attachment":[{"href":"https:\/\/theinsuranceshop1.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=8275"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/theinsuranceshop1.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=8275"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/theinsuranceshop1.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=8275"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}