Do You Need Wedding Gift Insurance?

Wedding gift registry

Photo: Karin Olsen

During your engagement, the number of valuable personal possessions and pieces of jewelry you own will increase — probably dramatically, and not just including your engagement ring! It's a good idea to meet with your insurance agent to be sure that you are adequately covered for theft or loss. If you find that you're not, look into taking out a policy that will cover all your wedding gifts — and even the wedding itself. Of course, no one wants to dwell on what could happen, but you're better safe than sorry! Here are the etiquette rules you should know for doing so.

What exactly is wedding insurance?
It protects against wedding-day disasters and disappointments. Among other things, the policy will reimburse you if your wedding attire is damaged or if your wedding gifts are stolen or broken at the reception.

Is there a specific type that I should look into?
There are two main policies you can purchase. To protect against loss or theft of wedding gifts and wedding rings, pearls, watches, and other items, purchase an endorsement (additional coverage added to your homeowners's/renter's policy). Or, purchase a rider (a separate policy offering additional insurance). Both are usually good for the term of the contract — often one year.

Insurance aside, how can I make sure my presents make it from the reception to someplace safe if we're leaving for our honeymoon straight from the venue?
Ask friends to safely transport gifts home to make sure that certain gifts aren't left behind. Your family can help with this as well; this is the safest and simplest option, especially if you're going to be away for more than a few days.

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