How to Use This Guide

Preparing for a wedding can be exciting, but also expensive. You need to reserve reception halls, book bands, arrange for photos and videos, look for gowns and tuxedos, choose flowers, etc. After making all these plans, you count on it all coming together on one memorable day.

Despite all the planning, it is possible that something could go wrong. Unexpected weather could force you to cancel the wedding. Delays in flights or delivered items could delay the actual ceremony and cause you to spend more in rental fees. Wedding gifts could be damaged or stolen during the reception.

This guide provides a general explanation of wedding coverage, which is similar to insurance that can be bought to cover unexpected delays or cancellation of any special event. The coverage may differ from one policy or certificate to another, but most policies cover situations that could arise prior to or during your special event. If you have outstanding questions after reading this guide, you can contact the Division of Insurance Consumer Services Section at (617) 521 7794 or through www.state.ma.us/doi.

As you consider any insurance, you should be aware that an insurance policy is a legal contract describing the promise an insurance company gives you in return for your payment of regular premiums. Insurance is not a bank account in which your premiums are stored; it is a legal promise that an insurance company will pay for the costs of certain identified losses that may occur during the policy period. The insurance you buy to cover your wedding is protection for a specific period or term of time.

To truly understand a particular type of coverage, you should take the time to learn what is and what is not covered. The insurance company offering the coverage or its producer should be able to help you with an analysis of the appropriate coverage for your situation, but it is up to you to choose the right policy to protect your own assets. It is important that you read your coverage carefully to determine your exact coverage, as well as your rights and responsibilities under the coverage.

There are appendices at the end of the guide, including a glossary of commonly used terms such as those that appear throughout the guide (Appendix A) and a record of any wedding insurance policy that you may purchase (Appendix B).

Disclaimer
This guide is not a legal analysis of your rights under any insurance policy or government program. Your insurance policy, program rules, Massachusetts law, federal law and court decisions establish your rights. You may want to consult an attorney for legal guidance about your specific rights.

This guide includes information, documents, and materials (collectively, the "Contents") that are subject to change without notice. The Massachusetts Division of Insurance cannot guarantee that the contents of this guide are up-to-date or complete and assumes no responsibility for errors or omissions in any Contents, including Contents that are referenced by or linked (by hypertext links) to any other Contents or third party websites. The Massachusetts Division of Insurance makes no representations or warranties of any kind whatsoever for the Contents or for any products or services or hypertext links.

Section I: Risks to Your Special Day
What Is Wedding Insurance?
Why Buy Wedding Insurance?
Don't My Other Policies Cover Me?
Am I Required to Buy Wedding Insurance?

Section II: Insurance
How Does a Wedding Policy Work?
How Do I Obtain Coverage? Can I Ever Be Turned Down?
Can an Insurer Ever Cancel My Coverage?
What Level of Coverage Do I Need?
How Do Insurers Market Insurance Policies

Section III: Costs And Losses
What Can Affect the Cost of the Coverage?
How Can I Do to Reduce the Insurance Premiums?
What If I Have Questions or Problems?

Appendix A: Glossary of Common Insurance Terms

Appendix B: Facts to Keep Handy About Your Own Policy pdf format of Appendix B: Facts to Keep Handy About Your Own...