Wedding Insurance



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Wedding Insurance | Learn from Lowcountry couples left in the lurch how taking out a policy on your Big Day can save your bottom line

In the past year, two of Charleston’s more popular wedding sites shut down. One, a new kid on the block, closed due to financial mismanagement. The other, a tried-and-true island resort favorite, burnt to the ground. In the wake of both, couples scrambled to relocate and reorganize likely one of the most expensive—and orchestrated—days of their lives. (The Post and Courier reports that weddings in the Charleston area average $35,000, the biggest portion of which goes to paying for the venue.) Here’s how silver linings appeared, and how to protect yourself.

 

Bad View!

Jamie Mastucek was one half of several couples out of their $5,000 (or more) deposits and fees when The Vue at Ripley’s Point was foreclosed upon in May. Luckily, Jamie says, the site’s former event planner, Karen Porreca, saw to it that her wedding, and every last other one Karen booked there, was salvaged. Karen, although out thousands in compensation, apparently just couldn’t let so many couples down. She outed the company’s misdeeds to The Post and Courier and the story was splashed across local news stations, too. The result? Area wedding industry folks rallied to the couples’ causes with discounted and donated venues and services. Now that the dust has settled from the foreclosure fallout, Jamie and her fiancé are set for their Big Day, and Karen? She started Simply Eventful, her own event firm here in town.

 

Chart a New Course...

Most weekends, the old River Course Clubhouse at Kiawah was booked with one or another happy couple saying their “I dos.” That ended abruptly in March 2010 when the place burnt down, leaving scores of weddings in the lurch. Scrambling to find other locations for the ceremonies and receptions, events manager Jeri St. Germain teamed with local wedding planners to find solutions on Kiawah as picturesque and luxe as their first choice. That translated to tented pavilions overlooking waterways, and more. As for the clubhouse today? It’s been rebuilt, more glorious than ever.

 

Insure Yourself

Contracts are good, but if a business goes under, you’re out of luck for compensation. Best bets? Either gamble with contracts alone—don’t put down any deposits without these—put your charges on a credit card (you can sometimes contest charges if the service is not rendered), or opt for wedding insurance. To get coverage, a month before your wedding day, make a list of expenses (deposits and total payments), including the venue, florals, gifts, jewelry, wedding accessories, and possible financial damages incurred by postponement. Take the list to a local insurance agency for rates. Depending on what you elect to cover, your premium can range from $100 to thousands of dollars, but can protect you that much more.

The Wedding Row

March 4 2019
Even though Anna, a Wilmington native, and Bobby, who is from Mount Pleasant, dated for over four years after swiping right on each other, they never really talked about getting married … they just...

March 1 2019
Kitty and Kyle met during their freshman year at Clemson, but they didn’t begin dating until they got to know each other as study partners a few years later. After two years, a move to Charleston,...

February 28 2019
Bissell and Jack may live in Atlanta, but Charleston has played a large part in their relationship, from their dating days through their engagement and now with their wedding. Bissell’s mother is...

February 27 2019
Today’s styled shoot takes place on the patio of 5Church, a downtown church-turned-restaurant that doubles as a wedding venue. Nicki Paige, owner of wedding planning company Nicki Paige Collection,...

February 26 2019
Christa met Andrew when she first moved into the same Charlotte, North Carolina, townhome complex as him in 2013. For a while, they were just passing acquaintances, until he asked her out for drinks...

February 25 2019
We’ve got the world of modern dating to thank for this gorgeous celebration at Boone Hall Plantation. Christiana and Bud met on Tinder, and after chatting on the app for a while, they met up for a...

February 22 2019
Nadja and Ryan both grew up in Sarasota, Florida, but they didn’t meet until they were in college (and on her 21st birthday, no less). A decade of dating later, he surprised her with a 10th...

February 21 2019
We so want to be friends with these two Charleston high-school sweethearts. Ask when they met and Jackie will tell you it was went they were 15 years old, she was in braces, and neither could drive...