Why You Shouldn’t Skip Wedding Insurance: A Smart Investment for Your Big Day

Planning a wedding is exciting—but it also involves a significant financial and emotional investment. While no one wants to imagine something going wrong on their special day, unexpected circumstances can and do happen. That’s where wedding insurance comes in. Think of it as peace of mind in a policy—designed to protect your investment and help you navigate the unforeseen with confidence.

Unexpected dip

What Is Wedding Insurance?

Wedding insurance is a form of special event insurance that offers financial protection if your wedding is cancelled, postponed, or disrupted due to circumstances beyond your control. Like car or home insurance, you pay a premium for coverage—ensuring you may be reimbursed if the unexpected occurs.

Wedding insurance typically covers:

• Venue issues, such as double-bookings, fires, or closures.

• Extreme weather that prevents key participants or guests from attending.

• Vendor no-shows, like caterers, photographers, or officiants.

• Sudden illness or injury of the couple or immediate family.

• Stolen or damaged gifts, attire, or decorations.

However, it won’t cover change of heart, unless specified (e.g., Wedsure offers this but requires early purchase).

Two Main Types of Coverage

1. Liability InsuranceRequired by many venues, this covers damage or injury claims during the event, including alcohol-related incidents.

2. Cancellation InsuranceCovers lost deposits or nonrefundable costs due to unexpected disruptions such as illness, weather, or vendor failure.

Flying Wedding Cake

What It Costs

Policies typically range from $75 to $550, depending on location, coverage level, and event size. Liability insurance often starts around $185, while cancellation coverage varies based on your total wedding budget.

When to Buy

Purchase coverage as soon as you start making deposits—ideally several months or even a year in advance. Waiting until the last minute may leave you unprotected.

Snow storm

Wedding Insurance Providers to Consider

Some reputable options include:

• eWed Insurance

• WedSafe

• Wedsure

• Travelers

• Allstate (via Markel)

• USAA (for military families)

Each offers customizable packages and varying levels of coverage—so be sure to compare policies carefully.

Final Tips

• Talk to your vendors to avoid duplicate coverage—they may already carry liability insurance.

• Check your homeowner’s policy for any event coverage that may extend to weddings.

• Involve family members who are financially contributing—they can take out separate policies for added protection.

Bottom line: If you’re investing time, money, and heart into your big day, wedding insurance isn’t just practical—it’s essential. It safeguards your celebration and allows you to focus on what truly matters: marrying the one you love.