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Wedding Insurance 101, what does it cost?

Though you might not want to think about it, disasters can strike your wedding plans. From a sudden cancellation to stolen gifts to a damaged gown, wedding insurance can help protect against the unforeseen and give you peace of mind on your day.

Wedding insurance protects a couple’s investment from circumstances beyond their control, and reimburses expenses incurred. For example, what if the groom’s tuxedo is lost in the airport baggage and he has to buy a new one? What if your reception space goes out of business a month before the wedding and you lose your deposit? These are the types of big-day financial losses that wedding insurance can help protect.

What Does it Cover?


  • Site: Check to see if your ceremony and reception site is already insured. If it’s not, wedding insurance can cover the unavoidable cancellation.

  • Weather: Any weather conditions which prevent the bride, groom or relatives whose presence at the wedding is essential, or the majority of the guests from reaching the wedding. Insurance covers rescheduling the wedding and all the details involved (ceremony, flowers, food...).

  • Sickness or Injury: Wedding insurance may also include sickness or injury to the bride, groom or anyone essential to the wedding.

  • Military or Job: Can cover postponement of the wedding due to getting called to military duty, or if your company suddenly relocates to another city.

Additional Coverage is available. Make an appointment with a Stonebraker McQuary Insurance agent for options you have with wedding insurance.


Understanding Identity Theft
According to the Federal Trade Commission: Identity theft occurs when someone uses your personal information such as your name, social security number, credit card number or other identifying information, without your permission to commit fraud and other crimes.

Identity thieves may use many methods to gain access to your personal information. These include but are not limited to:

  • Stealing records or documents from their place of employment.

  • Rummaging through trash.

  • Stealing wallets or purses.

  • They gain information from you by posing as a legitimate business person or government official.


What are the consequences of identity theft?

  • Thieves can go on spending sprees and leave you with the bills.

  • They may obtain new credit cards using your name.

  • Take auto loans out in your name.

  • Produce counterfeit checks using your information.

  • File for bankruptcy under your name.

  • They may even give your name to the police if arrested.


When released they don’t show up on their court date and a warrant is issued in your name.

What to do if you think your identity has been stolen:

  • Contact the fraud department of any one of the three major credit bureaus to place a fraud alert on your file.

  • Close the accounts that you know or believe have been tampered with.

  • File a police report. Submit a copy to your creditors.

  • File your complaint with the FTC.


For more information go to:
www.consumer.gov/idtheft

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