Wedding insurance is a form of special event insurance designed to provide financial protection if you have to cancel or postpone a wedding because of death or serious injury in the immediate family, the bride or groom is called to military duty, a natural disaster such as a hurricane or earthquake occurs on your special day or other insured disaster. One thing that is generally not covered, however, is change of heart.

Depending on the policy or level of protection you select, there may be the following coverages:

• Reimbursement of non-refundable deposits due to circumstances outside your control such as a death in the immediate family
• Damage to the wedding dress or other special wedding attire
• Theft of wedding gifts
• Expenses incurred to reassemble the wedding party to retake photographs because of damaged or destroyed film or videotape
• Professional counseling if the cancellation or postponement of the wedding causes severe emotional stress (A doctor’s note will be needed)

• If the insurance company is licensed to do business in the state where you live. State Insurance Departments.
• How much the policy will cost and how much reimbursement you can expect if a loss occurs.
• What is and is not covered by the policy.
• Determine if there is coverage elsewhere through credit cards, warrantees or through home, auto or liability or other insurance policies you may have.