0 Should You Buy Wedding Insurance?

This question is difficult to answer with a simple yes or a no, so consider the following: if your gown salon goes out of business and you lose your deposit, would you be able to afford to purchase another gown? If your photographer doesn’t show up on the wedding day, would you be able to afford to hire one on the spot? In the unlikely event that something catastrophic (hurricane, blizzard, death in the family) happens before your wedding day, would you be able to afford to pay for a wedding all over again?

You should also keep in mind that many wedding vendors are happy to assist you in extraordinary circumstances. When Central Florida was plagued by three hurricanes within a month, all of the vendors we worked with helped couples reschedule their weddings by waiving penalties and carrying over payments. Ask the vendors you interview what they would do if a natural disaster or a death in your immediate family does occur.

What Does Wedding Insurance Cost? Basic policies can be found for as little as $125.00.

What Does Wedding Insurance Cover? Wedding insurance will cover you for many things, including needing to reschedule your wedding due to circumstances beyond your control, businesses that go bankrupt or don’t show up, damage to attire, and loss of gifts. Some will even cover change of heart!

What Doesn’t Wedding Insurance Cover? If it rains, you will not be covered. If there is a hurricane, you might be covered. Your engagement ring and other jewelry will not be covered, but your wedding ring might be. If you or your groom decide not to go through with the wedding, most policies will not cover you.

When Should You Get It? If you decide to get wedding insurance, you should get it as soon as possible. Many policies will allow you to purchase insurance even after you’ve paid deposits and signed contracts, so don’t worry if you’ve already contracted with some of your service providers.

How Much Should You Get? If possible, purchase enough coverage so that if the worst happens, you will be able to reschedule and pay for a new wedding.

Do I Need Liability Insurance? Some wedding venues will require you to carry liability insurance. If you are hosting your wedding at home, you should check with your homeowner’s insurer to see if you should get additional coverage for your wedding.

Where Can You Find Wedding Insurance? Many insurance companies offer wedding insurance, so start with one of your carriers. An online search will also yield you lots of options for you to investigate.

If you think you might want to purchase wedding insurance, make sure to keep all of your contracts and receipts. You will need them if you make a claim.

This is a brief primer as to what wedding insurance covers. It’s really important to shop around for best price, best deductible and best coverage.

0 Spring Weddings

Style and Decor:

*Combine patterns for a unique look. Go for sophisticated stripes with flirty polka dots for a playful effect.
*Choose a spring color, and use a slightly different shade of fabric on each reception table. Your tables will look unified, but not too matchy.

Invitations:
*Have a common springtime motif, such as a peony or a bird, printed on the invites.
*Choose a casual, yet engaging font to reflect a fun spring feeling.
*Instead of a traditional belly band or wrap, use a wide ribbon in your wedding colors to tie up your invites.

Flowers:
*Have your florist pair your favorite springtime flower with fruits (ruby-red raspberries, luscious blackberries, or even strawberries) for a fete that feels as homegrown as a picnic in the park.
*Hang floral wreaths from the doors into your church or temple, or from a tree at your ceremony.
*Bring spring indoors by creating a space awash in tiny spring blooms -- from single-bloom bud vases lining the bar to floral-adorned baskets in the bathrooms at the reception.

Menu:
*Fill large punch bowls with fresh lemonade, iced tea, and white-wine sangria, garnished with fresh lemons and fruit for a colorful drink menu.
*Instead of more traditional beef, serve spring lamb with a garden-fresh herb sauce.
*Ditch the hot soup idea and present delicate chilled pea soup in shot glasses as hors d'oeuvres.

Wedding Cake:
*For a cake that spells spring, serve white cake covered in sugar-dipped long-stem cherries.
*Choose a flavor that's light and fluffy, like a strawberry shortcake covered in pale pink fondant and topped with real strawberries.
*Instead of a simple pattern, have your cake baker add colorful sugar flowers to your cake tiers.

Favors:
*Give bulbs or packets of flower seeds that guests can plant in their gardens or window boxes, tagged with a personalized label.
*Be different and offer a charitable donation to plant a tree in each guest's name.
*Offer mini potted herbs at each place setting to enhance a garden theme.

0 St Patrick's Day Wedding Inspiration

 

0 Pnina Tornai Spring 2014

Pnina Tornai Spring ’14 showcases the signature illusion corsets

 that the brand is known for, and this season sleeves and streamlined silhouettes are added to the mix.

Photos by Kurt Wilberding