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Peter did a great job with music and the uplighting he did was beautiful! We had such a fun time!
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Right off the bat: this post has no "referral links" to any insurance provider. This post is simply intended to explain why engaged couples should strongly consider wedding insurance, based on a series of recent and unfortunate real-life events here in Central New York. To reiterate my disclosure: I am not affiliated with any insurance company. Nobody paid me to write this post. There are no "referral links" where I get a cut if you buy a wedding insurance policy. I'm just here to provide advice, based on facts, because I care about my wedding DJ clients and I don't want to see their wedding day ruined by any number of potential issues beyond their control. Consider these 7 headlines which impacted many couples here in Central New York, and in one case, nationally: And those are just cases of established wedding vendors suddenly going out of business. I recently found a list of the top 5 reasons people needed to file wedding insurance claims in 2018: And remember, those stats were from 2018, two years before COVID-19 became a concern. When the pandemic triggered New York State to temporarily halt or restrict mass gatherings, many couples with 2020 weddings found themselves in varying degrees of disarray, trying to figure out how (and when) they would be able to proceed. Related: Never Hire an Uninsured DJ Need a wedding DJ? Request a quote now! Let's say your wedding venue suddenly goes out of business. If they're bankrupt, they likely won't have money to refund you... and try as you might, you can't squeeze blood from a stone. (Just ask anyone who never got their dresses from Alfred Angelo.) Even if a business does refund every cent you've paid them, you still might wind up with additional costs you hadn't expected. Consider this: That's assuming you find a venue that's available on the same date you originally booked. If you're forced to pick a new date, get ready for more headaches and costs:"We Never Thought It Would Happen to Us"
More than Just What You Paid
- Retainers, deposits or down payments with many wedding vendors are usually attached to a specific date, and those payments often aren't transferable to other dates. Review your contracts carefully.
- If any of your vendors are already booked elsewhere for your new date, you'll need to replace them as well.
- Again, if your invitations (or "save the date" notices) already went out, you need to notify everyone of the new plans.
- Some guests who were able to RSVP "yes" to the original date might not be able to make it for the new date, and vice versa.
- Out-of-town guests will need to change flights, rental car and hotel reservations, and so forth.
Wedding insurance won't save you the hassle of having to find new vendors or notify your guests. But it can help with the extra costs that can arise when you relocate or reschedule your wedding.
To their credit, if you didn't read the story linked above, The Beeches in Rome refunded couples and paid-off vendor balances. Hats off to them for taking care of everyone affected by their closing -- that's extremely rare. But still, these couples might have had to pay more than their original wedding budget to relocate their weddings.
Hopefully you'll never "need" your wedding insurance. But it's easy to see how just one hiccup can wind up saving you more than you paid for the policy. Or to put it another way, consider how NOT having a policy can wind up costing you more than if you bought one.
I'm no insurance expert so I can't provide specifics, but shop around. You'll find that costs will vary depending on how much coverage you want, and exactly what you want covered. But at least you won't have to have that "what if (insert potential problem)" stress constantly tugging at the back of your mind throughout your wedding planning!
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We received so many compliments regarding our DJ! We could not have been happier with Peter!
Sarah and Andrew, Daniele at Valley View, Utica
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Since 2011, Syracuse Wedding DJ Peter Naughton has been serving Central New York and surrounding areas. Peter's stress-free booking process features up-front pricing and just 2 packages that include all the essentials for an unforgettable celebration!
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