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While at home weddings have always had an intimate and personal charm, the events of the past year have made them increasingly popular. In most cases, your home insurance policy will cover you should someone get injured on your property, but the terms of your policy likely won’t apply to damages or injuries sustained during an event like a home wedding.

Acquiring specialized event insurance for your home wedding is an essential step towards ensuring you and your guests can enjoy your special day care-free, and here’s why.

Enjoy the Day
Your wedding day is one of the most important days of your life, and you should be able to enjoy it without restrictions. Home wedding insurance is worth it for the peace of mind, as we mentioned, but weddings are also expensive with the average cost in Canada being $30,150, so getting insurance will keep those costs from creeping any higher. Your home wedding insurance will cover everything from the rings to guest injuries, so all you have to worry about is making memories.

Damages
As we mentioned, purchasing insurance for your home wedding fills in the gaps that your home insurance doesn’t cover, which allows you to relax and enjoy the day. It’s important to understand the risks you’re taking on if you choose not to get insurance for your special day as well. Home wedding insurance will cover damage to your wedding attire, gifts, photographs, rings, and most importantly, injury to your guests. For example, if one of your guests slips on a spilt beverage at your home wedding, you could be left liable to cover their lost wages if they are unable to work. With home wedding insurance, you likely won’t be held accountable for those costs. In case of a lawsuit, the insurance policy provides a lawyer to defend you and pays judgement costs awarded to your injured guest if you ultimately are found to be liable.

Make sure your special day goes off without a hitch with online wedding insurance from Hudson’s Bay Financial Services (in partnership with Front Row Insurance Brokers)

When should you acquire coverage?
You should purchase your home wedding insurance as soon as you start checking items off of your wedding checklist.

How long does it take?
It only takes minutes to relieve months of stress and protect your special day. Coverage starts at as little as $105 CAD, and you can receive a free quote in 2 minutes online, so don’t delay, get coverage today!

DISCLAIMER: Informational statements regarding insurance coverage are for general description purposes only. These statements do not amend, modify or supplement any insurance policy. Consult the actual policy or your broker for details regarding terms, conditions, coverage, exclusions, products, services and programs which may be available to you. Your eligibility for particular products and services is subject to the final determination of underwriting qualifications and acceptance by the insurance underwriting company providing such products or services. This website does not make any representations that coverage does or does not exist for any particular claim or loss, or type of claim or loss, under any policy. Whether coverage exists or does not exist for any particular claim or loss under any policy depends on the facts and circumstances involved in the claim or loss and all applicable policy wording. Wedding Insurance is currently available in all provinces, excluding Saskatchewan.