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Wedding Insurance in Rancho Cucamonga CA & Temecula CA

Weddings are one of the most important events in life—and they're among the most expensive, too, with the average wedding now costing over $26,000. And, that's before the honeymoon, which tends to be another $5,000 all by itself. Given the sheer amount of time, effort, money, and planning that goes into a wedding, it makes sense to protect your funds invested in this event and make sure that unexpected problems don't result in the loss of your entire investment.

Before you begin shopping for wedding insurance, though, there are a few important things to know—like what parts of the event are covered and how liability can come into play.

Special Events Covered by Wedding Insurance

Here are the parts of a wedding that most policies cover:

  • Wedding Venues: While most permanent wedding venues (such as churches) have their own liability coverage, many weddings take place in unusual areas. In fact, about a quarter of all weddings are considered 'destination weddings' and are held in a non-traditional wedding venue. Unfortunately, unforeseen problems like weather, damage to the wedding site, or companies shutting down can make a chosen location inaccessible.
  • No-Shows: Most vendors try to show up to every event, but for whatever reason, there are times when they can't make it. One-time event insurance can reimburse you for any losses suffered as a result of their failure to attend.
  • Injury and Illness: If someone vital to the wedding—say, the bride—comes down ill or injured just before the event, there's a good chance it's going to be postponed until they're feeling better. Wedding insurance can cover these delays.
  • Job and Military Deployment: Similarly, if someone is forced to move (whether they're being deployed overseas as part of the military or simply moving to another city along with their company), delays can occur—and just like with illness and injury, wedding insurance can cover this.

It's important to note that most plans don't cover losses due to either party deciding to cancel the wedding due to a change of heart.

Event Liability Insurance

Weddings should also have basic liability coverage in case anyone is hurt during the event. For example, guests may have allergies to foods or perfumes brought in, or people trying to move a large object as part of the ceremony could trip and fall. The right coverage can ensure that a wedding won't end with the bride and groom facing a lawsuit they'll have to pay out of pocket to defend. Call Cornerstone Commercial & Personal Insurance Services today for a free quote and more information.

 

1. "Average Wedding Cost." Average Wedding Cost in the United States. Accessed April 18, 2016. http://www.costofwedding.com/.

2. "How to save on a Caribbean Honeymoon." Accessed April 18, 2016. http://experience.usatoday.com/beach/story/caribbean/2014/06/04/caribbean-value-honeymoon/9970857/.

3. "The Knot, The #1 Wedding Site, Releases 2014 Real Weddings Study Statistics." Accessed April 18, 2016. http://www.prnewswire.com/news-releases/the-knot-the-1-wedding-site-releases-2014-real-weddings-study-statistics-300049675.html.

Our Locations

Cornerstone Commercial & Personal Insurance Services

9340 Baseline Road, Suite 103 
Rancho Cucamonga, CA 91701
Main office: 909-941-9080

Office Hours:

Mon: 8:30 AM - 5:30 PM
Tues: 8:30 AM - 5:30 PM
Wed: 8:30 AM - 5:30 PM
Thurs: 8:30 AM - 5:30 PM
Fri: 9:00 AM - 5:00 PM
Sat: By Appointment
Sun: Closed

Las Vegas Office

Remote
Las Vegas, NV 89121
Main office: 702-547-6662

Office Hours:

Mon: 8:30 AM - 5:30 PM
Tues: 8:30 AM - 5:30 PM
Wed: 8:30 AM - 5:30 PM
Thurs: 8:30 AM - 5:30 PM
Fri: 9:00 AM - 5:00 PM
Sat: By Appointment
Sun: Closed

Our Providers

Testimonials

Phil and his staff are the Best of the Best. I have used the services of Cornerstone Insurance for many years. I have recommended Phil and his staff to all my family and friends and all have been exceptionally pleased. I would highly recommend Phil and Cornerstone Insurance to anyone.
- David D.
I have been buying insurance from Phil forever. He always finds me a great deal with all of the coverages that I need.
- John T.
I am in the property management business and have been involved with Phil and his staff at Cornerstone Insurance for well over a decade. When I first met Phil I was impressed with his knowledge of his industry and his concerned and friendly approach with his clients. I soon began referring my clients to him for their insurance needs and many have been Cornerstone clients for several years. When ever I've needed to deal with a claim, the Cornerstone staff has been on top of the issue and I couldn't be happier with their coverage and customer service.
- David L.
I work in the HOA world and have been very pleased with the service I have received from Deedy & the staff at Cornerstone insurance. They are always prompt, informative, and very understanding. I love working with Deedy & hope to continue to do so!
- Danielle A.