Robert Nuccio can't remember ever writing a wedding-insurance policy in Lawrence, but that doesn't mean it hasn't happened.
"If there's tornadoes in Kansas, the phones start ringing," said Nuccio, president of R.V. Nuccio & Associates in Fawnskin, Calif., which administers the "Weddingsurance" program for Fireman's Fund.
But despite Kansas' presence in Tornado alley, state insurance regulators don't recall much activity in such policies.
"We know it exists, but we've never come across it," said Ron Turner, a consumer representative for the Kansas Insurance Department in Topeka. "It's unusual, like trip insurance or pet insurance.
"They all fill a need, otherwise they wouldn't exist."
Turner suggests that anyone with a question about a specific wedding insurance policy call the department's Consumer Assistance Division at (800) 432-2484.
Liz Karr, owner of Liz Karr catering in Lawrence, said one of her clients was forced to call off her wedding after the groom backed out a week before the big day. That meant scrapping appetizers and dinner for 300 people. The jilted bride lost her $4,000 deposit.
"Plus the deposits for the venue, the band, the cake all of it," Karr said. "That would have been a good time to have insurance."
Or not, Nuccio said.
"That's a change of heart, and that's not covered," he said.
A typical Lawrence wedding costs about $15,000, said Stacee Martin, a bridal consultant and owner of Madison's Wedding, 817 Mass.
"It does make some sense," she said. "It's the one time in your life where you'll be spending such a massive amount of money for a single event."