Real Weddings

realweddings.ca 19 including grandparents, children, aunts and uncles," she explains. "If there's a death in the family and the bride decides to postpone, this program covers for the extra expense or non-refundable deposits." Your risks and costs 'e cost of insurance varies according to your wedding budget, starting from weddings valued at $10,000 and going up in $5,000 increments to a maximum of $250,000. 'e current premium for a $10,000 celebration is $300 and the price goes up by $100 for each additional $5,000 of coverage. You can also select the number of guests invited. Your premium would reœect those numbers and protect you from third-party claims brought against you for damage to property among other things. "Liability insurance for any major event over 50 people is so important," says Wells. "You just don't know what can happen. Today the public is quick to assign blame and initiate lawsuits." Jordan Maxey, co-owner of Smitten Events, a Vancouver wedding planning agency, agrees. "A wedding, like life, has so many variables, and though you never go into it with the expectation a vendor won't deliver the services you've paid for, or that your wedding gown will come back from alterations with a stain on the front, these things do happen." Protect your investment One of Maxey's clients booked a videographer with whom Smitten Events was not familiar, and declined to take out wedding insurance. "'e videographer did show up but never delivered our client's wedding video," she says. "Countless emails and phone calls later, they were nowhere to be found. Wedding insurance would have covered this." Maxey routinely advises her clients to purchase wedding insurance and says most are receptive. "When a client is hosting their wedding at a venue such as a farm or private residence, we recommend full coverage, as there are so many more elements in play," she says. "It seems to make sense to most clients in these situations. We have found this year that a number of venues are now requiring clients to purchase liability insurance policies, so this may become the new norm. "Weddings are wildly expensive," adds Maxey. "If you can gain peace of mind by taking out an insurance policy to assure that your investment is protected, we think it's well worth it." rw forever...

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