But in the post I wrote about wedding insurance , I decided that the product would work for some, but not for us. However, there is one coverage my fiancée and I do need to purchase: liability insurance.

We are getting hitched at a local winery in a little gazebo they have on the grounds. As we were signing the contract to reserve the winery about a year ago, the woman told us that we will need to have a $1,000,000 liability insurance policy for our event. No sweat.

Well a lot of planning has gone on and the insurance portion of the planning, which fell to me, slipped my mind. I was too preoccupied on finding a DJ who doesn't feel that the Chicken Dance and the Macarena is a "must have" at every wedding.

So now that we are 18 days away from "I do", its time for me to fulfill my task. But how? Do I buy a wedding insurance plan or do I add a one day special event liability rider to my renters insurance policy? Hmm, I still think this will be easier than deciding on whether to serve chicken or fish at the reception (we went with tri tip and chicken in case you were wondering).

A wedding insurance policy will cover just about everything, except for a change of heart. So if we were to have inclement weather and we couldn't fit 125 guests into the gazebo and had a wedding insurance policy, we would get some of our deposits back. However, the winery we are using also has an indoor facility so we already have a plan B. I also learned while researching wedding insurance policies at Wedsafe.com, that they won't cover cancellations due to a swine flu outbreak.

So we don't need all the bells and whistles that come with the wedding insurance policy, but I did find a liability coverage only option through Wedsafe.com where a million dollars worth of liability coverage is only $100 from the quote I got. Not too bad.

But there is still the option to add a special rider to my renters insurance policy or one of our parents homeowners insurance policies. So when I get home from work today, I will need to look through our renters insurance policy and see if I can add the liability coverage the winery requires.

So while my fiancée is busy deciding how many flowers we need, I will be looking into securing the liability insurance coverage we need. I think this deal works in my favor!