First, there's the individual owner's policy to protect all the contents of a dwelling, as well as structural improvements on the interior of the unit and coverage for fire, theft or other disasters covered in the policy.

Secondly, the condominium association should have a master policy that covers all the common areas the condo dweller shares with fellow owners, such as the roof, sidewalks, common walls and the like.

Wedding insurance will cover your losses if bad weather, airport delays, a military call-up or a sudden illness prevents you or your intended from getting to the church on time. If your caterer is shut down by the local health department, most insurance policies will cover the extra cost of finding a last-minute vendor to feed your guests.

The growth of these policies reflects the rising cost of weddings. The average amount spent on a wedding in 2006 was $27,852, according to the Condé Nast Bridal Group.
Nearly a third of couples pay the entire cost of their wedding, and 36% end up spending more than they had planned, according to Condé Nast. Premiums range from $95 to more than $1,000, depending on the size of your wedding and the level of coverage you buy.

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