Wednesday, February 26, 2014

Do We Have To and How Do We Get Our Florida Marriage License?

Photo of newlyweds in front of seagrassTo get married in Florida, no matter what state, or country for that matter, you live in, you have to have a Florida Marriage License.  Obtaining your license is a quick, simple process. The online resources for this information can be contradictory, so we've compiled accurate guidelines here and are happy to go over this info with you!

The bride and groom must apply together, with valid state or federal identification, in person at a Florida County Clerk's office during regular business hours. The Clerk's office keeps federal and state business hours and observes all federal holidays. HERE is a list of federal and state holidays.

There is no waiting period, no blood test, and no class/counseling program required. Your Florida marriage license is valid for 60 days. If either of you are a Florida resident you must apply for your license at least 3 days in advance of your wedding date. You will need to know your SSN, date of birth, address, and (if) divorce decree date. You will not need your birth certificate, SSN card or, divorce papers.

The Florida application fee is $93.50 in most counties (some have small additional charges). Witnesses at the ceremony are optional. Non-Florida residents can receive a marriage license without going to the clerk's office for a fee by contacting Sherry Matthews Consulting, click HERE.

Recommended locations by beach area (a marriage license can be obtained from any Florida County Clerk however):

**Panama City Beach, Mexico Beach, Florida**
Bay County Clerk's Office
300 East 4th Street
Panama City, Fl 32401
(850) 763-9061

**Beaches of 30a, Santa Rosa Beach, Miramar Beach, East Destin, Florida**
Clerk of Court
Marriage License Recording
Walton County Courthouse Annex
31 Coastal Centre Boulevard
Santa Rosa Beach, Fl 32459
(850) 267-3066

**Destin, Okaloosa Island (Fort Walton Beach), Florida**
Clerk of Court
Marriage License Division
Okaloosa County Courthouse Annex
1250 N. Eglin Parkway, Suite B110
Shalimar, Fl 32579
(850) 651-7200

**Navarre, Florida**
South Santa Rosa County Service Center
5841 Gulf Breeze Parkway
Gulf Breeze, FL 32563
(850) 981-5570

**Pensacola Beach, Perdido Key, Florida**
Clerk of the Circuit Court and Comptroller
Marriage Division
MC Blanchard Judicial Building
190 Governmental Center
Pensacola, Fl 32501
(850) 595-4170


--
Ken and Heather Delo
Sunset Beach Weddings
(850) 366-8054
sunsetbeachwed@gmail.com

www.sunsetbeachwed.com
www.delobeachweddings.smugmug.com
 
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Thursday, February 13, 2014

From CNBC - 8 ways to cut your wedding costs without looking cheap

Trying to cut some costs on your Florida Beach Destination Wedding?  Here are some ideas that CNBC wrote about in a recent article.  This was posted on Yahoo News as well.

Summer is just around the corner, and that means the peak wedding season is too. If you or your child is planning a wedding, get your checkbook ready.

After plummeting in the wake of the financial crisis, spending on nuptials resumed its rise in 2010, and is once again approaching record levels.

The average cost of a wedding is as high as $28,400 by one estimate, and close to $26,000 by another. And depending on where you live, like the Big Apple, average costs can top $70,000. That's higher than the median American household income. 

To help you save, CNBC has gathered eight money-saving tips that you'll need to keep handy as you plan your big day.


8 Ways to Cut Wedding Costs


Cut Down Number of Guests

Size matters. "The number one thing you can do to keep your wedding costs down is to keep your guest list down," said Dena Davey, director of marketing for the Association of Bridal Consultants.

Average spending per guest reached $204 in 2012, according to the wedding websitetheknot.com, which conducts an annual survey of wedding costs.

If that sounds like a lot, remember that each invitee gets an invitation, a catered meal, a piece of very pricey cake, and a whole lot of champagne—and that's without a lot of frills.

So the potential savings from a smaller ceremony are clear.


8 Ways to Cut Wedding Costs


Think Outside the Box

Another way to save is to be flexible about timing. Saturday evening weddings tend to be the most expensive, Dena Davey said, since they usually involve a dinner reception and event spaces often charge more for that time.

"Fridays and Sundays are really popular right now," added Davey.

June and December are the most popular months for weddings, so vendors may be more willing to negotiate if you are talking to them at other times of the year.

Time of day can make a big difference too. A buffet lunch is less expensive to provide than a sit-down dinner—and appetizers and champagne in the afternoon cost even less.


8 Ways to Cut Wedding Costs


Compare Your Options

The Internet is your frenemy when it comes to wedding planning. Websites like Pinterest are full of enticing images of all kinds of wedding paraphernalia—with no price tags attached.

There are also lots of sites that point to ways to save. Bridalbrokerage.com lets you buy up the fixings from weddings that got cancelled, andtradesy.com offers a range of almost-new wedding dresses.

Projectwedding.com offers tips on how to resell things, like unused table linens.


8 Ways to Cut Wedding Costs


Stay in Season

It's possible to spend a bundle on flowers for a wedding, when you realize that you'll need blooms for the bride, the ends of the aisles, the centerpieces, and more.

If you stick with flowers that are in season, your costs will come way down. Even November offers calla lilies, and March is a fine time for freesia.

And within the season, be careful what you choose. Peonies can be even more expensive than roses.


8 Ways to Cut Wedding Costs


Step Out for the Reception

You don't have to spend a fortune on an elaborate catering hall. There are many other kinds of places where you can have a lovely ceremony or reception.

In the right season, municipal parks and beaches can be great options—and they offer a beautiful backdrop for your photos as well. Churches usually have reception halls where you can celebrate after you exchange vows. Some restaurants can host wonderful receptions as well.


8 Ways to Cut Wedding Costs


Keep the Food Casual

There is no law saying you have to serve surf and turf. An informal menu of comfort food, like macaroni and cheese or even sliders, can add an element of fun.

If your heritage includes an exotic cuisine, serving some of your favorite dishes helps to personalize your event. Looking for a wedding favor? How about purchasing italian cookies from your favorite bakery, dividing them up into little baggies, and adding ribbon and a wedding tag label to personalize.


8 Ways to Cut Wedding Costs


Keep Your Eye on the Prize

The biggest savings suggestion? Focus on what you're doing, not the things you'll have around you. Perfect flowers or not perfect flowers, your wedding day is likely to be magical.


8 Ways to Cut Wedding Costs


Sunset Beach Weddings http://www.sunsetbeachwed.com - florida wedding, destination weddings, beach weddings, florida beach wedding, destin wedding, elopement packages, beach destination wedding, beach weddings in florida, eloping, panama city beach wedding, cheap beach weddings, barefoot weddings, pensacola beach weddings, destin beach wedding, destin florida beach weddings, panama city beach weddings, beach wedding pictures, sunset beach weddings

Thursday, February 6, 2014

An Article - 7 Steps for Setting a Wedding Date from Bridal Guide

Here's an interesting article from Bridal Guide on the steps to choosing your wedding date.  Some couples have trouble with this, because they want a date that's memorable and significant to their history, but it sounds like it might be wise to consider other factors when planning your wedding.

7 Steps for Setting a Wedding Date

By  | 

Choosing a wedding date is one of the most important planning decisions that you'll have to make as a couple - it will impact every other aspect of your big day. You may have an idea of where you envision yourself walking down the aisle or what you want your cake to look like, but until you decide when you'd like to get married, you can't commit to anything. You might be asking yourself, "How do I pick a date that works for everyone and is still special to me?" or "Where do I even start?"

For every couple, the process is completely unique and that's part of what makes your wedding date so special to you. I hope that by sharing some planner insight - as well as my experience as a real bride - I can help you find the perfect time to say "I do."

Step #1: Take the weather into account. 
The basics: The most popular months to get married are June, September, and October and it's no surprise why - the weather is absolutely beautiful in early summer and fall. In general, you can plan for weather based on past records and standards, but always remember to continue to track it throughout your planning process as well.

I've planned weddings where we've encountered some unseasonably strange weather - those of you who live in California remember that December/January heat wave we had! - and the best way to deal with it is to add some cushion in your wedding budget for items like throws or fans. Think about your guests and their comfort level.

My take: I love every season for its unique beauty, but I knew that I didn't want to wear a wedding dress in mid-summer and that there was no way I could get my fiancĂ© Jesse to wear a suit in 100 degree weather! So, we peeled back the layers of each season and ended up with spring. The weather won't be too warm and everything is so lush and pretty during that time of year.

Step #2: Consider all the factors of an off-season date. 
The basics: Getting married in January or March might help cut your rental venue fee down but you have to be prepared to make sacrifices in other areas. For example, let's say that peonies are your absolute favorite flower and you can't imagine having a bouquet with anything else. Depending on the time of year, it may be hard (if not impossible) for your florist to find them at a price that fits your budget. (In general, off-season flowers are incredibly expensive.)

The same concept applies for Friday vs. Saturday weddings. Although a venue might be able to give you a break on their minimums for a Friday reception, be aware that the rest of your wedding vendors might not be able to.

My take: Since I'm getting married in the springtime, I am willing to spend a little extra on guest comforts such as throws, extra heaters, or a hot chocolate station. Bonus: Those amenities can serve double-duty as personalized guest favors or interactive activities throughout my wedding day.

Step #3: Lead the date selection process by creating a list of what you envision for your wedding day. 
The basics: Imagine that your wedding day has finally arrived - what do you see? A lush rose garden as the backdrop for your ceremony? Vineyards dripping with grapes ready for harvest? Snow-covered mountaintops? By narrowing down your potential wedding date to one season (or two) you can cut down your options in half.

My take: This is where the girly side of me comes into play! Jesse loves fields and greenery - he's Irish, so it's in his blood - and I'm a total flower girl. As much as I love November and December, I knew that flowers would be slim pickings during those months. So for me, it came down to wanting to create a beautifully lush setting for the entire day, ideally in a field in the middle of nowhere.

Step #4: Think twice before getting married on a major holiday. 
The basics: In addition to Christmas, Valentine's Day and New Year's Eve, you may also want to reconsider tying the knot on religious holidays, event weekends (depending on your location), major sporting events, Father's Day and other holidays of this nature, and September 11th.

Although holiday weddings can be super fun and festive, your wedding date is something you want to celebrate for years to come because of the meaning behind it - not because it was also NYE. Another thing to keep in mind is the significant costs that are associated with holidays weddings. For example, the price of roses during Valentine's Day is unbelievable, so having them at your big day could really put a dent in your overall budget.

But perhaps the biggest factor to consider is your guests. As much as they love you, do they really want to spend a major holiday celebrating you instead of being able to celebrate them? Yes, your wedding is about the two of you, but you also want to make it an event that your guests are excited about and can afford to attend. Hotels, flights and car rentals can all get very expensive, especially during a holiday weekend.

My take: Once we narrowed it down to springtime, Jesse and I had to decide whether we would get married in March, April or May. March is St. Patrick's Day, and as much as I love a good themed party, I don't see myself having a St. Patrick's Day wedding. May is Jesse's birthday month, so that was out! April it is.

Step #5: Focus on what you want your wedding day to be and how to portray that in a date.
The basics: At this stage, you should have your potential dates narrowed down to a month or two and this is where it gets fun! Within the months that made it to the final round, are there any dates that are meaningful to you as a couple or as individuals? Do you want to honor a family member who is no longer alive by getting married on their birthday or anniversary? Are there any dates you want to avoid?

My take: For this step, I started by asking Jesse if there were any dates in April that were special to him individually since we couldn't think of any for the two of us. (We started dating in March and we got engaged in January, and those are both already out.) He couldn't come up with anything, so I asked him what he thought about getting married on my grandparents' wedding anniversary, which is April 30th. They've been married for over 50 years now and have taught us how to love and enjoy life, so it seemed fitting that we could honor them. We both agreed that our wedding should take place on that day.

Step #6: Give yourself plenty of time and don't rush it!

The basics: I have planned full weddings in just a few months and we've all seen how weddings can be pulled together within weeks on TV. However, what you might not be aware of is the cost that it takes to ensure that a big celebration can be executed quickly.

When a bride reaches out to me and asks if we can plan her big day in a short amount of time, I always tell her that anything is possible, but there might be areas that she will have to sacrifice. For example, a custom wedding gown can take over a year to create, depending on what you want. Also, your custom logoed favors, centerpieces or invitations may not end up exactly how you had planned.

The moral of the story is to make sure you give yourself enough time to plan for the things that are truly important to you, whether it's incorporating lace from your mom's dress to use in your own gown or getting hand-crafted favors from your favorite travel destination.

My take: Being a wedding planner, my life is scheduled WAY in advance - I already have events booked for early 2015 - so I knew I needed to pick a date with enough time to really block everything out, especially if I want to be able to go on a honeymoon. Jesse and I knew that we would be looking at late 2015 to early 2016 for our wedding. This will give us plenty of time to bring in a number of custom details and let my creativity completely take over!

Step #7: Think about other aspects of your wedding and how they will all play out.

The basics: Now, depending on what other aspects of your wedding are important, you might want to keep an open mind to a few dates. What if your dream venue is booked or your favorite photographer is out of town? Better yet, what about the important people in your family? You will want to make sure they can attend!

My date: I wanted to make sure we had my grandparents' blessing, so the first thing we did was call them to ask if we could honor them by getting married on their wedding date. Of course they said yes and they were so thrilled! Next on the list was letting immediate family know. Since the date is so far out, we aren't officially announcing it with save-the-dates or an engagement party just yet, but more so, being respectful of them in letting them know that we do have a plan.

-- 

Ken and Heather Delo

Sunset Beach Weddings
(850) 366-8054

 
Like us on Facebook for more photos: www.facebook.com/sunsetbeachwed
Twitter: @sunsetbeachwed

Monday, February 3, 2014

We won the WeddingWire Couples' Choice Awards!

Sunset Beach Weddings was selected for the 2014 WeddingWire Couples' Choice Awards!  Visit our WeddingWire page to see our reviews and other info about us! www.weddingwire.com/sunsetbeachweddings

WeddingWire Couples' Choice Awards recipients represent the top five percent of wedding professionals within the WeddingWire Network who demonstrate excellence in quality, service, responsiveness and professionalism.



--
Ken and Heather Delo
Sunset Beach Weddings
(850) 366-8054

 
Like us on Facebook for more photos: www.facebook.com/sunsetbeachwed
Twitter: @sunsetbeachwed

Sunset Beach Weddings http://www.sunsetbeachwed.com - florida wedding, destination weddings, beach weddings, florida beach wedding, destin wedding, elopement packages, beach destination wedding, beach weddings in florida, eloping, panama city beach wedding, cheap beach weddings, barefoot weddings, pensacola beach weddings, destin beach wedding, destin florida beach weddings, panama city beach weddings, beach wedding pictures, sunset beach weddings

Thursday, January 30, 2014

How To Plan a Destination Beach Wedding in Florida (A planning tip)!

Every year in the engagement season, we like to recap some tips for your wedding planning.  This time, we'd like to touch on steps for planning your Florida Beach Wedding.  We've found that our couples know they want to have a beach wedding, but aren't always sure how to get started.  Sometimes you feel like you're planning in a circle!

Deciding to get married at the beach is an easy decision, but you might ask, "what do I do then?"  We here at Sunset Beach Weddings believe that if you follow these simple steps you'll plan your wedding and eliminate some stress during the process.

1. You're engaged!  You want to have a beach wedding!  First step, PICK YOUR DATE!  

Choosing your date is the first step, this may include a date range.  When you call wedding companies and beach rental companies, they'll ask you this.

2. Book a wedding company for your date!  

Take care to find a wedding company that fits your needs and makes you feel comfortable with your decision.  This can include your officiant, photographer, decoration, and coordination.  Don't worry about location quite yet, most wedding companies will handle all the regions here in the panhandle of Florida.  If your package includes photography, look through their photographs on the company's website.  You'll want to see many examples of their work.  Not just a few of their best photos.

3. Choose a place to stay!  Pick the beach area you want to be in and your Lodging!

Do you want to stay on the beach?  In a beach house?  Condo?  Hotel?  Where do you think your guests will want to stay?  Most wedding companies will also give you a local vendor list that can help you find your lodging.  You can also use this list to suggest places to stay for your guests.  There are many many options for lodging here, so don't get overwhelmed and feel like you just have to have a certain place, keep looking, you'll find one that fits your budget and plans.  Ask for a discount, many will offer if they know you're ready to book and have other options as well.

4. Choose your Ceremony location!  

Depending on where you're staying, you'll want your ceremony as close as possible.  We will help you choose the location using our knowledge and experience.  But knowing your location will make this much easier.

5.  Decide what you'd like to do after your ceremony.

Do you want a classic reception?  Do you want to go to dinner?  Have a party?  Many couples have receptions right where you're staying as well.  Rented a big beach house?  Have your reception right there!  Have your reception at a local restaurant.  Want to hire a caterer?  Many options at this point, but they'll want to know what your date is!  The vendor list comes in very handy for making this decision as well.  If hosting your own reception, do you want to cater or do-it-yourself?  No wrong answer here for your wedding reception.  The valuable vendor list will give you lots of ideas for catering as well.

6.  Done

Other than small details you've planned your wedding!  These decisions don't have to be made on the same day, follow these tips and your planning will be much less stressful!

--
Ken and Heather Delo
Sunset Beach Weddings
(850) 366-8054

Like us on Facebook for more photos: www.facebook.com/sunsetbeachwed
Twitter: @sunsetbeachwed

Sunset Beach Weddings http://www.sunsetbeachwed.com - florida wedding, destination weddings, beach weddings, florida beach wedding, destin wedding, elopement packages, beach destination wedding, beach weddings in florida, eloping, panama city beach wedding, cheap beach weddings, barefoot weddings, pensacola beach weddings, destin beach wedding, destin florida beach weddings, panama city beach weddings, beach wedding pictures, sunset beach weddings

Monday, January 27, 2014

For the Crafty Bride - Make your own brooch bouquet!

What do you think of the Brooch Bouquet?  In the south, Miranda Lambert is generally credited with started this craze, at least publicly, but what do you think about the brooch bouquet for your wedding?  The destination beach wedding is a little less traditional, would you want a bridal bouquet to be less traditional also?  Here's an article from WikiHow.com that we ran across that tells you how to make your own brooch bouquet for your wedding!

Here's a photo of Miranda borrowed from Etsy.


Inline image 1

and here's a photo Staci's brooch bouquet (our photo)!

Inline image 2

Edited by Laura, Adelaide, Connor, Mmishima and 1 other

Make a lasting bouquet that does not require water. You can make and use jewelry flowers, book page flowers or fabric flowers for an unconventional and elegant look. A brooch bouquet is a stylish choice for a wedding bouquet or a flower vase. Learn how to make a brooch bouquet.


tPart 1 of 4: Shop for Brooches

  1. 1
    Ask your family if you can use brooches that have been inherited from grandmothers, aunts, sisters and cousins. Using some brooches from the family will personalize the project and make it a keepsake.
    • If your family members want the brooches back, you can choose to deconstruct the bouquet at a later date.
  2. 2
    Find low cost brooches at craft stores, like Michael's, JoAnn's or box stores like Target and Walmart.
    • Give yourself at least a few months to look for brooches. You can return to the clearance section of these stores and buy recently reduced merchandise to save money.
  3. 3
    Buy collector's items on Etsy, eBay or Amazon. If you have a special style of brooch, such as enamel, rhinestone or precious stone that you want to feature in your bouquet, it will take a little longer to collect enough brooches.
  4. 4
    Add clip-on earrings, necklace pendants and hair accessories to your collection of brooches. These items look very similar to brooches when placed in a bouquet.
  5. 5
    Collect 50 to 80 brooches in total. The number you need will depend upon the diameter of the brooches and the size of the bouquet.

EditPart 2 of 4: Buy Floral Supplies

  1. 1
    Visit your local craft store and buy several things that you would use to make a fresh flower bouquet.
    • Buy long, green floral wire. These will become your brooch stems. Make sure you have enough for each brooch and 2 for larger brooches.
    • Find green floral wire. This is used to wrap the wire together.
    • Buy a large silk flower, such as a hydrangea, in the color of your choice. Inserting your brooches into the flower will help to fill out the empty space and protect your brooches from rubbing against each other. You can also choose a dozen flowers or several different types of silk flowers to intersperse among the brooches.
    • Buy ribbon. You will want to wrap the bouquet stems with ribbon to create an attractive and elegant holder.
    • Buy some needle-nosed pliers, wire clippers and a hot glue gun (with glue sticks), if you do not have these things already.
  2. 2
    Set up a work station at home. Plug in your glue gun and gather all your supplies.
    • The glue gun is essential for brooches that break during the bouquet-making process. Low-cost brooches frequently break or lose stones. Glue the pieces on immediately so that you can still use them.

EditPart 3 of 4: Make Brooch Stems

  1. 1
    Take a brooch. Close the clasp and secure it with a hot glue gun if necessary.
    • Decide if your brooch will be secure if you wire it through the clasp. Some brooches break or have unsteady clasps. In this case, try to wrap the wire around the front of the clasp itself, between petals or stones.
  2. 2
    Thread the green floral wire through the clasp or around the front of the brooch.
  3. 3
    Pull it through so that the middle of the wire is wrapped around the brooch and the 2 ends are even at the bottom.
    • Use your needle-nosed pliers to wrap wire around delicate brooches. Bend the wire at the top with the pliers, so that it is securely attached to the clasp.
  4. 4
    Start twisting the 2 wires around each other approximately 1 inch (2.5cm) below the point where the wire and brooch are attached.
  5. 5
    Wrap floral tape around the twisted wire. Floral tape can be flimsy, so make sure it overlaps as you curl it around the wire.
    • Press the ends of the floral tape securely so that it sticks well.
  6. 6
    Repeat the process with each of your brooches. Create a pile of brooch stems, until you feel you have enough to start making the bouquet.
    • Making brooch stems can be a time-consuming process. You may need to make 50 to 80 stems in several sessions.

EditPart 4 of 4: Arrange your Bouquet

  1. 1
    Choose your bouquet base. You can buy a bouquet holder or foam block to make a wider base with which to hold your bouquet.
    • In place of a bouquet base, find a foam noodle bath toy and cut it to the length of your base or vase height. The open center allows you to place the brooch stems inside.
    • You do not need to use a bouquet holder. You can add sticks or silk flower stems to make a wider vase. Place them together and wrap them with tape to secure a wider base.
  2. 2
    Take your large hydrangea stem. Insert your brooch stems into the spaces between the flower petals.
    • Make sure to alter the color and size of the brooches that are next to each other.
  3. 3
    Place other silk flowers amongst the brooch stems, if desired. Gather your brooch stems until you have a full bouquet shape.
  4. 4
    Wrap the stems with several layers of masking tape, once you have your desired arrangement.
    • Clip the wire stems with the wire cutters, if they are too long.
  5. 5
    Stick the gathered stems into your bouquet holder or foam noodle, if you are using these items.
  6. 6
    Glue 1 end of the ribbon to the very top of your stem bunch, bouquet holder or foam noodle. Use a hot glue gun. Allow the glue to dry well before you begin wrapping the ribbon.
  7. 7
    Wrap the ribbon in a circular motion around the bouquet.
    • When you get to the bottom, you can wrap the bottom with ribbon vertically and rewrap it horizontally or you can leave the stems showing for 1/2 inch to 1 inch (1.3 to 2.5cm)
  8. 8
    Place a strip of super glue at the end of your ribbon. Tuck the end of the ribbon inside the other bands of ribbon at the top.
  9. 9
    Embellish as desired. You can wrap the base with a necklace or sew on pearls.
--
Ken and Heather Delo
Sunset Beach Weddings
(850) 366-8054

 
Like us on Facebook for more photos: www.facebook.com/sunsetbeachwed
Twitter: @sunsetbeachwed

Sunset Beach Weddings http://www.sunsetbeachwed.com - florida wedding, destination weddings, beach weddings, florida beach wedding, destin wedding, elopement packages, beach destination wedding, beach weddings in florida, eloping, panama city beach wedding, cheap beach weddings, barefoot weddings, pensacola beach weddings, destin beach wedding, destin florida beach weddings, panama city beach weddings, beach wedding pictures, sunset beach weddings

Wednesday, January 22, 2014

Have you considered Wedding Insurance for your Destination Wedding in Florida?

We get asked the question about wedding insurance from time to time and never quite know what to recommend.  Of course, having a safety net always makes you feel better about the unknown, but is the cost of wedding insurance worth it?  Here's an article that Yahoo.com posted this week about this very topic and some alternative ideas for getting wedding insurance.

Wedding insurance expands as nuptials get pricier

Planning a wedding? Insurance firms sell policies covering weather, illness, change of heart

Associated Press 
By Michael Melia, Associated PressJanuary 20, 2014 5:11 PM



Wedding insurance expands as nuptials get pricier
This Oct. 12, 2013 photo provided by Julia Bailey shows Shannon and Justin Peach, riding in a carriage after their wedding in New Orleans. Shannon's mom, Cheryl Winter, spent $500 for Hartford-based Travelers Insurance to cover her daughter's destination wedding, where her biggest concern was a potential hurricane. The weather cooperated, but after the limousine failed to show they used the insurance policy to claim the deposit money they could not get back from the limo driver. (AP Photo/Julia Bailey
HARTFORD, Conn. (AP) -- Worried about the groom getting cold feet? There's an insurance policy for that.

With the cost of the average American wedding reaching about $26,000, insurers have been selling a growing number of policies to protect against losses from extreme weather, illness and, in one firm's case, even a sudden change of heart.

Cheryl Winter spent $500 for Hartford-based Travelers Cos. Inc. to cover her daughter's $50,000 destination wedding last October in New Orleans, where her biggest concern was a potential hurricane. The weather cooperated, but the limousine never showed up. Her daughter took a taxi cab to the church, and they used the insurance policy to claim the deposit money they couldn't get back from the limo driver.

"No one wants to be walking in the French Quarter in a long gown and high heels," said Winter, who lives in the Houston area.

The insurance is offered by a small number of U.S. companies. Insurers declined to provide data on the number of customers beyond saying they are growing steadily. It can cover losses from issues ranging from bankrupt wedding halls to cancelations forced by unexpected military deployments. Travelers says issues with vendors account for about a quarter of the claims, with most of those related to issues with photographers or videographers.

For Travelers, an insurance giant with annual revenue of $26 billion, the policies will not make or break the bottom line. But the wedding insurance it began selling in 2007 is also a way to connect with a couple who might later think of the company for home insurance and other life milestones.

"It could be the beginning of a relationship with a young couple," said Ed Charlebois, a Travelers vice president for personal insurance.

Wedsafe, backed by Aon, also offers wedding insurance, which differs little from the specialty insurance that firms may offer for other kinds of events and celebrations.

For parents concerned about a relationship souring before the exchange of vows, Fireman's Fund Insurance Co. offers change of heart insurance. It's been available since 2007, but the program administrator said the fraud rate soared in the early years as policies were bought for couples who were known to be fighting. That coverage now applies only if the bride or groom calls off the wedding more than nine months beforehand.

"Coverage does not exist once you hit the altar," said administrator Rob Nuccio of R.V. Nuccio & Associates. "The only ones who were buying it were the ones who knew they would have a claim."


Kyle Brown, director of the Bakersfield, Calif.-based Bridal Association of America, said he recommends wedding insurance, but he estimates policies are taken out for less than half of 1 percent of the more than 2 million weddings held annually in the U.S.

"Nobody likes to think about the bad side," he said.

Winter said some people told her insurance would be a waste of money for her daughter's wedding, but she read various reviews and decided it was worth protecting the investment. She's planning to buy a policy for another daughter's wedding in 2015.

--
Ken and Heather Delo
Sunset Beach Weddings
(850) 366-8054

 
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