Give us a call
703.503.3100

Wedding Insurance

Weddings are one of the most important events in life—and they're among the most expensive, too, with the average wedding now costing over $26,000. And, that's before the honeymoon, which tends to be another $5,000 all by itself. Given the sheer amount of time, effort, money, and planning that goes into a wedding, it makes sense to protect your funds invested in this event and make sure that unexpected problems don't result in the loss of your entire investment.

Before you begin shopping for wedding insurance, though, there are a few important things to know—like what parts of the event are covered and how liability can come into play.

Special Events Covered by Wedding Insurance

Here are the parts of a wedding that most policies cover:

  • Wedding Venues: While most permanent wedding venues (such as churches) have their own liability coverage, many weddings take place in unusual areas. In fact, about a quarter of all weddings are considered 'destination weddings' and are held in a non-traditional wedding venue. Unfortunately, unforeseen problems like weather, damage to the wedding site, or companies shutting down can make a chosen location inaccessible.
  • No-Shows: Most vendors try to show up to every event, but for whatever reason, there are times when they can't make it. One-time event insurance can reimburse you for any losses suffered as a result of their failure to attend.
  • Injury and Illness: If someone vital to the wedding—say, the bride—comes down ill or injured just before the event, there's a good chance it's going to be postponed until they're feeling better. Wedding insurance can cover these delays.
  • Job and Military Deployment: Similarly, if someone is forced to move (whether they're being deployed overseas as part of the military or simply moving to another city along with their company), delays can occur—and just like with illness and injury, wedding insurance can cover this.

It's important to note that most plans don't cover losses due to either party deciding to cancel the wedding due to a change of heart.

Event Liability Insurance

Weddings should also have basic liability coverage in case anyone is hurt during the event. For example, guests may have allergies to foods or perfumes brought in, or people trying to move a large object as part of the ceremony could trip and fall. The right coverage can ensure that a wedding won't end with the bride and groom facing a lawsuit they'll have to pay out of pocket to defend. Call Hardy Insurance Agency today for a free quote and more information.

 

1. "Average Wedding Cost." Average Wedding Cost in the United States. Accessed April 18, 2016. http://www.costofwedding.com/.

2. "How to save on a Caribbean Honeymoon." Accessed April 18, 2016. http://experience.usatoday.com/beach/story/caribbean/2014/06/04/caribbean-value-honeymoon/9970857/.

3. "The Knot, The #1 Wedding Site, Releases 2014 Real Weddings Study Statistics." Accessed April 18, 2016. http://www.prnewswire.com/news-releases/the-knot-the-1-wedding-site-releases-2014-real-weddings-study-statistics-300049675.html.

Our Location

Hardy Insurance Agency, Inc.

10507 Braddock Road, Ste D
Fairfax, VA 22032
Main office: 703-503-3100
Toll free: 800-574-4343
Fax: 703-503-9028

Our Providers

Testimonials

The Hardy Agency is the best insurance agency in this area. I have had the pleasure of dealing with Stacey and Clair. Both are knowledgeable, professional, and honest people to work with. They are very responsive to any questions or assistance you may need. Stacey has gone above and beyond in her excellent customer service. Everyone at the agency is friendly, respectful, and helpful. Phone calls are returned and questions are answered. I wouldn't go anywhere else. If you want personal service, with caring people, this is the place for you.....

Sunshine70 From Virginia
I have been Nationwide customer for a number of years now and have been happy to use Nationwide insurance services. What I experienced most recently was the amazing and exceptional services provided by Hardy Insurance Agents. These people are wonderful as they listen carefully to your needs and requirements and then tactfully formulate the best options while considering your budget and financial possibilities. I wish to take this opportunity to personally thank Stacey for her wonderful and professional advises and the tips she made in connection with my insurance plan. Thank you ! Hedi

Hedi From VA
Keep up your outstanding service.All the best and many thanks for your service to us

ak1945 From Spotsylvania virginia
Clair Prenatt has been my Insurance agent for over thirty years. When I call him with a issue it gets done and he lets me know when it is done. Over the years there have been car accidents and our home was robed and just a few weeks ago the basement flooded. I called Claire and he told me what to do and I did just that. Once the claim was started another agent came to my home and looked at the damage and then went to his car and wrote up the claim and he came back inside and talked me through each and every line on it. Very detailed. So detailed I got bored :) LOL and then he handed me a check right on the spot. WOW. Now that is what I call service. It is very hard to find the service levels that Clair and Nationwide provide today. I will be a customer for life. Thanks

MoparMan From haymarket, VA
I always receive outstanding service from Claire Prenatt. There has never been a time he didn't return my calls or answer all my questions. He is an outstanding agent and always makes me feel he is looking out for what is best for me. I feel Nationwide is blessed to have him working for the company because of his dedication for his clients and the company. Thank You Elaine Delauder.

fonzie From Virginia
As a client of Hardy Insurance and Agent Clair Prenatt for 25+ years, I highly recommend both. Clair is not only highly knoweldgable, he is accessible, responsive, and most importantly, kind. When emergencies happen, you will be glad Nationwide, Hardy Insurance Agency and Clair are there for you.

lfhall From Arlingon, VA
The Hardy Nation Wide Agency has far exceeded my expectations of what an honest insurance agency truly is. From great customer service, to an honest, and reliable team, I can't say enough about how satisfied I am. I have recommended this agency to both my family and friends, and feel confident in recommending them to you as well.

mjthomas