You’ve finally set the date! After months of planning, you and your fiance have decided on a day that will be etched in your memory forever. But don’t forget to protect the date – by getting insurance

February is the month of love and after years of lockdowns and gathering bans, 2022 is the year to let love win. So before anything else happens, get insured and protect your big day! 

Personal Property Insurance (How and Why to Protect the Ring with Insurance) 

The ring is one of the most personal and important items a couple gets during their engagement.  It symbolizes love, unity, and eternity. So it’s no wonder that couples go above and beyond to protect their rings. 

One way to do this is by getting personal property insurance. This type of insurance will cover your ring (and other personal items) in case of loss, theft, or damage. Your home insurance may provide ring insurance but you may need to take out a personal articles floater if the ring needs more coverage than the home insurance provides. 

There are a few things you should keep in mind when getting ring insurance: 

  • Most policies have a deductible. This is the amount you have to pay before the insurance company starts covering losses. Be sure to find out what your deductible is and whether or not it’s worth it for you. 
  • Ring insurance usually has a waiting period. This is the time between when you make a  claim and when you receive your payment. Make sure you’re aware of this so you’re not left waiting if something happens to your ring. 
  • Read the policy carefully! This may seem like common sense, but it’s easy to gloss over the details and miss important information. 

Event Insurance (In the Age of Covid, It’s Realistic Your Event Can Be Canceled or Moved) 

The reality right now is that even the most flawless wedding plans can be postponed or canceled for reasons completely out of your control. Restriction may mean you have to reduce the guest list from 100 to 20, and you could end up out of pocket. 

Coronavirus has made event insurance for weddings an absolute necessity. This type of insurance can help protect your investment if something happens and your event is canceled or moved.

For example, if there is a pandemic and your government bans gatherings, your insurance policy will likely cover the costs of canceling or moving your event. 

Liability Insurance (If Your Event is Held, but People Get Sick or Hurt) 

The last thing you want is for someone to get sick or hurt at your wedding. However, with people coming from all over and different backgrounds, it’s a real possibility. 

If this happens, you could be held liable. This means that you would be responsible for any medical costs or damages that occur as a result of the event. 

To protect yourself, consider getting liability insurance. This type of policy will help cover the costs if someone gets sick or hurt at your wedding. 

Travel Insurance (For Your Honeymoon and Beyond) 

Your honeymoon is a time to relax and escape the stress of everyday life. But what happens if something goes wrong? 

If you’re planning on traveling, be sure to get travel insurance. This type of policy will help cover the costs of canceled flights, lost luggage, and even medical expenses. 

Comprehensive travel insurance will protect you from coronavirus. Your flights will be covered and if you are forced into hotel quarantine, your provider should cover this. 

Conclusion 

Getting engaged is an exciting time for any couple. But with the risk of things going wrong, it’s important to be prepared. By getting personal property insurance, event insurance, liability insurance, and travel insurance you can help protect your big day. 

Love may be in the air this February, but don’t forget to protect yourself!