MMA Blog

How to Insure Your Perfect Day

You've probably spent a year (or more) thinking about your wedding. From dress to dessert, there's ultimately a lot of moving parts that have to work together to make your party perfect. Unfortunately, there's also a lot that can go wrong—things that are completely out of your control. Wedding insurance is a great way to take care of any big problems and protect your investment as well!

 

What Does Wedding Insurance Do?

This type of insurance protects the soon-to-be married couple in the event that something out of their control occurs. Some potentially covered scenarios include:

  • Destruction of the wedding dress.
  • Weather that makes the wedding site inaccessible.
  • Injury of a key member of the wedding party that requires a postponement of the wedding.
  • Damage to the venue by an intoxicated wedding guest.
  • The caterer pulls out from the reception at the last minute.
  • The best man is taking care of the wedding bands, but they're stolen.
  • One of your very expensive wedding gifts is stolen from the reception site.
  • Some policies will even cover situations where military service prevents the bride or groom from being present.

In these cases, it's possible that the right wedding policy would be able to reimburse the bride and groom for the loss and damages (minus the deductible on the policy).

 

What Doesn't it Cover?

Wedding insurance appears really great, but it's not 100 percent failsafe. Be sure you talk to your agent about what is and isn't covered by your specific policy.

  • If you've got a bit of cold feet and cancel the wedding, policies won't give you a refund.
  • Wedding insurance also usually won't cover gemstones, like those in your engagement ring, or special wedding jewelry.
  • It won't cover a simple rain storm; even if you plan an outside ceremony.
  • It also won't cover if you make changes to your plans, like moving the site of the reception to a new venue. That's a decision you are in control of and made yourself. So make sure to be positive you like your plans before you book a space or vendor.

 

Types of Wedding Insurance

Wedding insurance can include both liability (say, if your guests break a valuable piece of furniture at the vintage venue site) or cancellation coverage (if you need to postpone the wedding because the venue has a fire just days prior). Some policies include both types of coverage. Talk to your MMA agent to determine what kind of coverage best fits your needs.

 

Your Venue may Require Wedding Insurance

When you book a reception space, some venues require that you also obtain wedding insurance in advance of your big day. The good news is most wedding insurance policies are very affordable and easily obtained.

 

 

Get a quote

 

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        First, tell us about you:






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        Next, tell us about your business:





        Now tell us about the coverage or coverages you need:


        Commercial InsuranceEmployee BenefitsHealth InsuranceSuretyOther



        NOTE: Before becoming effective, all changes, bind orders, or claim notifications must be confirmed by a MMA Insurance representative advising that your request has been processed.

        You are ready to submit the form:

          First, tell us about you:






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          Next, tell us about the coverage or coverages you need:


          AutoHomeIndividual HealthUmbrellaRecreationalWatercraftRenter’s InsuranceLife InsuranceWedding Insurance



          NOTE: Before becoming effective, all changes, bind orders, or claim notifications must be confirmed by a MMA Insurance representative advising that your request has been processed.

          Now you are ready to submit the form:

            First, tell us about you:






            EmailPhone





            Next, tell us about the coverage or coverages you need:


            AutoHomeIndividual HealthUmbrellaRecreationalWatercraftRenter’s InsuranceLife InsuranceWedding Insurance



            NOTE: Before becoming effective, all changes, bind orders, or claim notifications must be confirmed by a MMA Insurance representative advising that your request has been processed.

            Now you are ready to submit the form:

              First, tell us about you:






              EmailPhone


              Next, tell us about your business:





              Now tell us about the coverage or coverages you need:


              Commercial InsuranceEmployee BenefitsHealth InsuranceSuretyOther



              NOTE: Before becoming effective, all changes, bind orders, or claim notifications must be confirmed by a MMA Insurance representative advising that your request has been processed.

              You are ready to submit the form:

                First, tell us about you:






                EmailPhone






                Next, tell us about the coverage or coverages you need:


                AutoHomeIndividual HealthUmbrellaRecreationalWatercraftRenter’s InsuranceLife InsuranceWedding Insurance


                Commercial InsuranceEmployee BenefitsEmployee Health InsuranceSurety



                NOTE: Before becoming effective, all changes, bind orders, or claim notifications must be confirmed by a MMA Insurance representative advising that your request has been processed.

                Now you are ready to submit the form:




                    First, tell us about you:






                    EmailPhone





                    Step 1 of 2Next

                    Next, tell us about the coverage or coverages you need:


                    AutoHomeIndividual HealthUmbrellaRecreational

                     

                    WatercraftRenter’s InsuranceLife InsuranceWedding Insurance



                    NOTE: Before becoming effective, all changes, bind orders, or claim notifications must be confirmed by a MMA Insurance representative advising that your request has been processed.

                    Now you are ready to submit the form:

                      First, tell us about you:






                      EmailPhone


                      Step 1 of 3Next

                      Next, tell us about your business:





                      Step 2 of 3Next

                      Now tell us about the coverage or coverages you need:


                      Commercial InsuranceEmployee BenefitsHealth InsuranceSuretyOther



                      NOTE: Before becoming effective, all changes, bind orders, or claim notifications must be confirmed by a MMA Insurance representative advising that your request has been processed.

                      You are ready to submit the form:

                        First, tell us about you:






                        EmailPhone





                        Step 1 of 2Next



                        NOTE: Before becoming effective, all changes, bind orders, or claim notifications must be confirmed by a MMA Insurance representative advising that your request has been processed.

                        Now you are ready to submit the form:

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                                Now you are ready to submit the form:

                                  First, tell us about you:






                                  EmailPhone


                                  Next, tell us about your business:





                                  Now tell us about the coverage or coverages you need:


                                  Commercial InsuranceEmployee BenefitsHealth InsuranceSuretyOther



                                  NOTE: Before becoming effective, all changes, bind orders, or claim notifications must be confirmed by a MMA Insurance representative advising that your request has been processed.

                                  You are ready to submit the form:

                                    First, tell us about you:






                                    EmailPhone





                                    Next, tell us about the coverage or coverages you need:


                                    AutoHomeIndividual HealthUmbrellaRecreationalWatercraftRenter’s InsuranceLife InsuranceWedding Insurance



                                    NOTE: Before becoming effective, all changes, bind orders, or claim notifications must be confirmed by a MMA Insurance representative advising that your request has been processed.

                                    Now you are ready to submit the form:

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