When Dan Gerecht bought a wedding insurance policy for hisdaughter Yvonne's big day last year, he did it because the eventwas scheduled during hurricane season and he was worried thatweather might force them to cancel.

But it turned out the Gerechts needed the policy for a differentreason: The venue, the Winery at Elk Manor in North East, Maryland,shut down just two months before Yvonne's 2016 Labor Day wedding,Gerecht says. They found themselves scrambling for a new location —and out the $30,000 Gerecht had already paid to Elk Manor.

Vendors who can't fulfill contracts are the most common cause ofwedding insurance claims. Here's how insurancecan help.

Wedding disaster No. 1: Vendor fails

Vendor issues, like the venue going out of business, make up 30percent of wedding insurance claim dollars — the largest share —paid by Travelers Insurance. Wedding insurance policieswill often reimburse you if you have to book a last-minute vendoror reschedule the wedding if a vendor backs out.

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