Renting a Hall

I've nailed the wedding date and the ceremony venue (Chris's parent's house), and am now in the process of renting a hall for the reception. I began by emailing the address on the website and I wish I would have just called her in the first place. She now wants me to rent the hall for twenty-four hours instead of the four I requested, which will be another $125 rent. Alcohol at the reception would be an addition $225 to the $200 deposit. I emailed her back to let her know that I didn't want the hall for the whole day but haven't heard back yet.

Also in the email was fax number where I could send proof of insurance. I've never been married before and have never rented a hall so my first reaction was "WTF?" Turns out I have to have a general liability insurance policy of no less than a million dollars to rent this place for more than fifty people. My car is insured up to ten grand, I think and it costs me over $100 per month. I'm a little worried what one MILLION dollars is going to cost me, even if it's for a day. General consensus online is about $200. So my low estimate here is $600 for a hall.

I hope I hear back from her soon, because while I plan on having more than 50 guests, I don't plan on having alcohol, which I hope will keep the deposit and insurance low. We'll see. Worst case scenario, I'm paying a thousand dollars for a community hall, in which case I'll just pay the same price and go find one of the local vineyards and have the ceremony and reception outside in the same place.

Getting married sucks, by the way. I have wanted Chris to pop the question for four years and now I'm thinking that it better be the best freakin' party I've ever  had or I'm going to be one upset little bride.