For those of us that live on the East coast, the post-Hurricane Irene news stories contained tons of tales of weddings ruined by the storm. We saw optimistic brides and grooms throwing it down anyway, despite cancellations by half the guests, heard of florists and caterers bailing at the last minute, and venues forced by the state to postpone all weddings. As a bride to be, I could only imagine the sky high stress, disappointment, and wasted money.
The whole thing made me realize we should have wedding insurance. It was in the back of my mind for a little while, but now I’m ready to get serious. I'm not concerned about a hurricane, but I am aware that freak things do happen sometimes. My dress shop could suddenly close or my venue could go bankrupt a month before the wedding. Of course, if those happened, I’m screwed regardless, but at least if I had insurance I wouldn’t be screwed and out thousands of dollars. Call me crazy, but didn't a hurricane flooding Vermont seem crazy too?
Plus, I insure my car, my apartment and my engagement ring, and the wedding, while not a million dollars, isn't exactly a minimal investment either. So why would I not protect that too? At least, this is how I see it, but I’m not sure if I’m crazy, as I really very rarely hear about this despite all the time I spend on wedding sites. Mr. B doesn't think it's necessary, but he's much less of a worrier than I am!
Right now, I'm leaning towards a policy with WedSafe. They’re recommended by Suze Orman, they cover many scenarios (including change of heart, not that I would expect that!) and costs less than 1% of my total budget.
Before I buy though, I'm wondering if anyone has experience or advice with this. If so, please share your stories! And be honest: is it ridiculous to want?