Re-post: Wed-surance

Over the past few months I have realized that one question that seems to come up a lot in wedding planning is the ever dreaded topic: insurance. But, if you really think about it, it makes total sense. We have insurance for our cars. Our health. Our homes. Sometimes even our pets. So, when spending thousands of dollars on a one-day affair, why in the world wouldn't you have insurance for that as well?

So today, I bring the repost "Wed-surance" - from days long, long ago when this blog was still a baby and my readers were most certainly in the single digits.

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Wedding insurance is one of those wedding essentials that is often...wait, let me rephrase that...almost always overlooked. When typical weddings mean you are squeezing every penny out of each dollar you spend, insurance is just not one of those things that you think about. It seems like an easy way to cut costs, right?

Well, what if a hurricane comes on your wedding weekend (as is apt to happen here in Florida)? Or what if a family member gets deathly ill just before? Do you attempt to hold the wedding anyway? If a natural disaster occurs in your area in a close proximity to the date (or something equally as awful), you face losing all or most of your money. How horrifying is that!

So, in my opinion, wedding insurance should not be overlooked. Plus, some companies are even beginning to offer "change of heart" coverage just in case you or your schmookums get cold feet. You should think about it like car insurance (especially since today's average wedding costs more than a lot of cars!) - you wouldn't risk something happening by stupidly not having insurance, would you? Plan for it, budget it in, even if it means you have to cut elsewhere -you'd rather be safe than sorry.

If I've inspired you, here are some resources to begin your quest:

• www.wedsafe.com
• http://protectmywedding.com/
• http://www.firemansfund.com/

And, here are some of my favorite internet discussions about it:

• http://ritzybee.typepad.com/my_weblog/2008/08/insurance-assur.html
• http://blogs1.marthastewart.com/weddings/2008/02/rest-insured.html
• http://www.komonews.com/news/consumer/10026951.html
• http://www.weddingchannel.com/ui/buildArticle.action?assetUID=759396&c=1339&s=606265446&t=92&p=1485&l=99747 http://weddinginsurance.wordpress.com/2008/08/15/q-and-a-time-for-brides/

So what do you think? Are you a fan? Have you had - or didn't have - insurance and had particular reasons why?