1. Cancellation or Postponement (Minimum of $3,000). This coverage will pay, up to the coverage limit that you select, the nonrefundable expenses incurred when the rehearsal, rehearsal dinner, wedding or private event, reception or honeymoon must be cancelled or postponed for certain reasons beyond your control (Change of Heart is NOT covered). When you call us we will explain exactly what reasons are covered.
   

    

    

2. Additional Expense (Included with Cancellation or Postponement). This coverage will pay up to 25% of the limit that you select for Coverage 1 Cancellation or Postponement for any additional expenses necessary to arrange alternate services to avoid a covered cancellation or postponement of the wedding, private event, reception or related event.
   

   

    

    

3. Photographs and Video (Optional). This coverage is for photographs and video. It will pay up to the coverage limit that you select, subject to a $250 deductible, for the cost to retake the pictures if the photographer fails to appear for any reason, or if the original negatives are lost, damaged or stolen or not properly developed.
   

4. Gifts (optional). This coverage will pay, up to the coverage limit that you select and subject to a $250 deductible, to repair or replace non-monetary gifts which are lost, stolen or damaged anywhere within the policy territory of the U.S., its territories and possessions, and Canada. A police report is required for stolen gifts.
   

5. Rented Property (Optional). This coverage will pay, up to the coverage limit that you select and subject to a $500 deductible, to repair or replace rented property for which you are responsible (including tents), used to facilitate the production of the wedding or private event, which is lost, stolen or damaged anywhere within the policy territory of the U.S., its territories and possessions, and Canada. A police report is required for stolen rented property. A Loss Payee endorsement and Certificate of Insurance may be issued to the Rental Dealer at any time upon request.
   

6. Special Attire (Optional). Special Attire coverage will pay, up to the coverage limit that you select and subject to a $250 deductible, to repair or replace the bridal gown and other special attire when it is lost, stolen or damaged (including financial failure of the bridal store) anywhere within the policy territory of the U.S., its territories and possessions, and Canada. Special attire includes the clothing and accessories bought or rented and to be worn by the bride, groom or the Honoree for other private events, and their attendants at the wedding or private event ceremony. It does not include jewelry of any sort (even if attached to clothing). A Loss Payee endorsement and Certificate of Insurance forms are available upon request.
   
7. Jewelry (Optional). Jewelry coverage will pay up to the coverage limit that you select and subject to a $250 deductible, to repair or replace owned, borrowed or rented jewelry for which you are responsible when it is lost or stolen or damaged anywhere within the policy territory of the U.S., its territories and possessions, and Canada. A police report is required for stolen jewelry.
   
8. Personal Liability (Optional). This coverage (including supplemental defense) will pay up to the coverage limit that you select, toward the sums for which you become legally responsible, as a result of bodily injury, personal injury or property damage caused by a covered accident which occurs during the course of the event including such events as the rehearsal dinner, rehearsal, ceremony or reception. We also include a very important PROPERTY DAMAGE LIABILITY FOR CERTAIN CUSTODY OR CONTROL, a coverage excluded under most homeowners policies!
   
9. Medical Payments (included with Personal Liability). This coverage will pay up to $1,000 of reasonable medical expenses for each person who is injured during the covered event from a cause of loss which would be covered by Personal Liability.

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