You're getting married in the mountains. You love nature. You love the outdoors. You can't wait to share the majestic experience of being in the mountains with 200 of your closest friends and family. You imagine your perfect day with the sun shining warmly and a gentle breeze blowing across the field of wild flowers that surrounds your ceremony venue. Everyone is happy. Everyone loves the scenery. Everyone loves the mountains.
The Realities of a Mountain Wedding
I generally like to stay positive on this blog, but there are some realities to mountain weddings that should never be overlooked.
Last year the Government Shut Down forced National Park brides to scramble to find alternative wedding venues. The year before, the Colorado Floods stranded wedding vendors, closed venues, and caused other wedding professionals to go out of business all together.
This year, a drought in California threatens a nasty fire season where at best the mountain views will be obscured by smoke and at worst, your wedding will be cancelled as evacuations begin.
And then there's the flaky mountain wedding vendors who promise you one thing and deliver quite another, or they fail to show up at all.
So I always recommend wedding insurance for mountain weddings. Mountain weddings are different. The weather can be extreme. The rural business environment increases the threat that wedding professionals will go out of business because they can't make ends meet. And sometimes, you just run into fraudulent wedding vendors.
Why Wedding Insurance Makes Sense
First, let me say wedding insurance is affordable. Markel Event Insurance will insure your $30,000 destination mountain wedding less than $400. That includes wedding cancellation and host liquor liability coverage in case one of your guests has too much to drink and injures themselves or others (at your wedding or on the drive home). You hate to think that any of your guests would sue you, but unfortunately, it happens. Markel’s Liability coverage would also protect you if a guest accidently damages the dance floor or tips over a vase at your wedding reception venue (look into if your venue requires Wedding Liability coverage as most venues now require it).
Markel provides wedding cancellation coverage for when you lose your deposit because a vendor didn’t show up or if the venue has to cancel because of frozen pipes, flooding or, God-forbid, a fire and you are forced to cancel or postpone your wedding.
Markel also covers you in circumstances beyond your control. They offer coverage if your wedding is cancelled or postponed due to extreme weather, if military leave is withdrawn and your future spouse is deployed, or if you, your groom, or immediate family member gets sick or injured causing delay and postponement of your wedding.
Markel’s Event Cancellation Coverage also includes protection:
- If you lose your wedding rings
- If you have to cancel due to Wedding planner fraud (a big concern for destination brides who can’t be in the region monitoring the wedding plans.)
- If you have to cancel your honeymoon because your wedding is cancelled or postponed
- If your photography is damaged
- If your rented limousine doesn’t show up
- If your wedding gown or Tux is damaged
- If you need professional counseling to get over the heartbreak of your wedding being cancelled (they really do think of everything)!
Wedding insurance will be one of the least expensive, but smartest purchases you make for your wedding. Policies start at $75 (the actual price of your specific policy is based on location, the coverage you choose, and your total wedding budget). Get your instant wedding insurance quote here or call 1-855-480-9757 now. I promise you’ll be surprised at how little peace of mind costs!