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Insurance
Photo © Roy Katalan
No
matter how old you are when you get married, you will need to consider insurance
coverage that will be changing or necessary with your changing circumstances.
It's important to find an insurance agent that you trust and feel comfortable
with. A good insurance agent will become a trusted advisor, someone who will help
you make important decisions for years to come.
Wedding
Insurance
The
first matter you will probably want to discuss with your new insurance agent is
wedding insurance. This type of insurance is usually purchased six to nine months
before the wedding and protects your investment in wedding services from circumstances
you cannot control. Wedding insurance helps to protect you against big-day financial
losses that you never could have anticipated. This type of coverage is designed
to protect your financial well being if your wedding must be cancelled or postponed
for a variety of reasons.
Some
examples of ways wedding insurance may be beneficial include:
" The reception
site is badly damaged by a fire just a few weeks before your wedding. Your insurance
would reimburse you for your expenses in changing the venue or rescheduling the
day entirely.
" If your photographer is a no-show, your coverage would
allow you to hire a new professional photographer for triple the price because
of the last-minute notice or reshoot the photographs on a different day.
"
Your wishing well, containing thousands of dollars in cash and checks, is stolen
from your gift table. Though a police report must be filed, your insurance will
reimburse you for the amount that was stolen.
These
are just a couple scenarios and there are hundreds of things that could potentially
go wrong on your wedding day. (Though most weddings go off without any major incidents.)
A
basic wedding insurance policy will cost between $150 and $350 and will cover
loss of deposits, rings, gifts, attire, videos and photos. Be sure to talk to
your insurance agent about the coverage that will be right for you.
Other
types of insurance
You
will also want to discuss other types of insurance you need with your insurance
agent. It is important to review your auto insurance once you are married. By
combining you two policies into one, you can save some money. You also need to
consider your medical coverage. Once you are married, you can easily be added
to your husband's plan. However, have your insurance agent look over both of you
and your husband's policies to determine who has the best coverage. Your husband
may consider joining your plan if it makes better sense. You may also want to
take out life insurance policies as well as coverage on your house or apartment.
Insurance
is an important way to protect yourself now and in the future. Don't put off that
meeting with your insurance agent. It is best to make those decisions as soon
as possible to avoid any unexpected loss or damage in the future.
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