Why Wedding Insurance?

Ever had a sleepless night, worrying about what could go wrong?

Unfortunately, some of what you've imagined can happen. A bride's most common "nightmare" is usually dress-related…it's damaged or defective, or the bridal salon goes out of business. Severe weather can wash out your big day. These are just some of the risks for one of the biggest investments you'll ever make (the average U.S. wedding is $27,000*). You'd protect your car, why not your wedding?

Here are some Frequently Asked Questions about this insurance:

What States is this program available in?
The Program is currently available in ALL States EXCEPT Alaska, Hawaii, and Louisiana.

Does my wedding have to be in the U.S.?
No. You are covered if your ceremony and reception are held in the U.S., Canada, Puerto Rico, a U.S. Territory, or aboard a cruise ship departing a port in one of these locations. For a nominal extra premium, you also may insure ceremonies and receptions held in the United Kingdom, Mexico, the Caribbean Islands, or cruises departing one of these locations (except for Cuba or Haiti). Please note, liability coverage is not available in these extended territories

Basically, what does the Wedding Insurance cover?
The plan can reimburse you if an important item related to your wedding (for example, your ring) is lost or damaged before you get married. The plan can reimburse you in case you lose your deposit if a vendor (for example, your florist) goes out of business before your wedding. You also can receive funds if events beyond your control cause you to postpone your wedding.  You may add coverage to protect you in case someone at your wedding is injured or causes damage to property of others. Of course, certain terms and conditions apply to these coverages, which you will want to review before you purchase your Wedding Insurance.

What's not covered?
Wedding Insurance typically covers things beyond your control. So, for example, if you or your fiancé decide not to get married, you are not covered.

Am I covered in case of bad weather on my wedding day?
Wedding Insurance makes a distinction between a rainy day and truly severe weather, like a hurricane. If it rains on your wedding day, you are not covered. However, if for example, a hurricane causes you to postpone, we can provide reimbursement for non-recoverable expenses

My fiancé is in the military? What if he/she is called up right before the wedding?
If circumstances beyond your control (for example, an unforeseen deployment) cause you to postpone your wedding, we can provide reimbursement for non-recoverable expenses.

Do I have to buy liability insurance?
You are not required to elect liability coverage as part of your Wedding Insurance.  However, you may wish to contact the locations where you will hold your ceremony and reception, as they may require you to show proof of liability insurance.

Basically, what does liability insurance cover?
Liability insurance can protect you from liability for property damage/personal injuries to third parties at the location of your ceremony and reception. You also have the option to include liquor liability coverage, which protects you and your immediate family from alcohol-related accidents caused by a guest of your wedding.

Doesn't my homeowners insurance provide liability protection?
It may or may not cover you. You may want to talk to our agents to decide how best to cover your liability exposure.

Why might I choose our wedding insurance over another plan?
  •No deductible—If you have a claim, there is no deductible. That means covered losses are paid from
    the first dollar up to the applicable limit.

  •Fair price—Shop around. You will find our Wedding Insurance premium compares favorably with other
    policies.

  •Easy application—You can apply in a matter of minutes ONLINE, purchase it, and have your policy
    via email to you.

  •Agent support—If you care to discuss your needs before you buy, please call our Pittsburgh office at
    (412) 271-8888 and ask for one of our Personal Lines service representatives.

Do I have to apply online?
No. If you prefer, you may call our office (412) 271-8888 and ask for a personal lines agent to take your information for your quote.

Do I have to pay via credit card?
A credit card is required for online purchases.  A policy can be put in force via payment by check once the check is received and cleared.

When is the right time to purchase my insurance?
You can buy your policy as soon as you begin spending towards your wedding.

Our Programs are underwritten by AM Best "A" Rated or better insurance carriers.

FOR AN INSTANT QUOTE & AVAILABLE ONLINE POLICY PURCHASE CLICK HERE !