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4 Things to Consider for Your At-Home Wedding

2017 survey of 13,000 couples by makes it easy to see why many couples are choosing an at-home wedding. The survey revealed the average cost of a wedding is $33,391 – the cost of a new car or down payment on a house.

With the rising cost of nuptials and the shift toward more casual wedding styles, an at-home wedding can be an appealing option. While brides and grooms need to cover the basics like making sure they have enough space, sprucing up the landscaping, and renting tables and chairs, they also need to make sure their insurance coverage is up to the task of handling the big day.

Four key insurance issues happy couples should think about when planning an at-home wedding:

  • Personal property – Your personal property is covered by your homeowners insurance policy. “But you should review your policy’s personal property limit with your Agent,” explains Joe Vahey, vice president and product manager at Erie Insurance. “The limit is usually a percentage of the value of your home, so you’ll want to ensure it will cover all those wedding presents you’ll receive along with a potentially expensive, one-of-a-kind gown.”
  • Liability coverage– Some liability coverage is included on standard homeowners policies to cover the possibility that an injury may occur on your property. So if your uncle falls while doing the chicken dance or your aunt trips while diving to catch the bride’s bouquet, you’re probably covered. Again, review these liability limits with your Agent in order to ensure you have enough coverage. “It’s always wise to consider adding an inexpensive umbrella policy,” says Vahey. “Having this extra protection will provide you and your future spouse with needed peace of mind on a hectic day.”
  • Rings – Consider “scheduling” your wedding rings – or adding them to your policy separately – rather than relying on the blanket coverage provided by a standard policy. Blanket coverage in standard policies may have a value limit. A scheduled ring has additional coverage up to the specific value of that ring, so you won’t have to worry if you have to replace a lost or stolen ring.
  • Food – Your caterer should carry their own insurance, but make sure to ask and confirm it. If you’re providing the food and someone gets sick, your liability coverage may need to kick in. Again, this is where an umbrella policy could be worthwhile.

If you have any questions about coverage for your at-home wedding or insurance in general, contact a local Erie Insurance Agent in your community.

An at-home wedding can be an appealing option. Here are four things to consider before the big day. /blog/at-home-wedding Erie Insurance

ERIE® insurance products and services are provided by one or more of the following insurers: Erie Insurance Exchange, Erie Insurance Company, Erie Insurance Property & Casualty Company, Flagship City Insurance Company and Erie Family Life Insurance Company (home offices: Erie, Pennsylvania) or Erie Insurance Company of New York (home office: Rochester, New York).  The companies within the Erie Insurance Group are not licensed to operate in all states. Refer to the company licensure and states of operation information.

The insurance products and rates, if applicable, described in this blog are in effect as of June 2014 and may be changed at any time. 

Insurance products are subject to terms, conditions and exclusions not described in this blog. The policy contains the specific details of the coverages, terms, conditions and exclusions. 

The insurance products and services described in this blog are not offered in all states.  ERIE life insurance and annuity products are not available in New York.  ERIE Medicare supplement products are not available in the District of Columbia or New York.  ERIE long term care products are not available in the District of Columbia and New York. 

Eligibility will be determined at the time of application based upon applicable underwriting guidelines and rules in effect at that time.

Your ERIE agent can offer you practical guidance and answer questions you may have before you buy.