What is wedding insurance and should you buy it?


If you could orchestrate your wedding in a way that protects you against something going horribly wrong, the stress around the big day could be considerably less. Many brides and grooms to-be are doing just that by buying wedding insurance.

What is wedding insurance and do you need it?

With the average U.S. wedding costing around $31,000, that special day is a significant investment. In this article, we’ll  cover what wedding insurance is and what you need to know about it.

Wedding insurance: Table of contents

Wedding insurance can protect the substantial costs associated with getting married in the event that the event needs to be canceled or put off at the last minute for any reason. It also covers mishaps that can occur around the ceremony, even if it does happen.

For example, if the bride’s diamond-encrusted tiara goes missing a day or two before the ceremony and you have to shell out for a new one, you’ll be covered.

Or, if the groom splits his tuxedo pants hours before the nuptials and has to rush to the bridal shop to buy a new one, wedding insurance would cover that, as well.

What’s covered by wedding insurance?

Wedding insurance basically falls into two kinds of coverage:

  • General liability insurance: This covers damage that happens at a venue, say a banquet hall, during your event. It can also cover injuries that occur to wedding guests at your event.
  • Cancellation policy: If by chance the event needs to be postponed due to bad weather or put off entirely due to an injury to a wedding party member, cancellation coverage will come in handy.

How much does it cost?

For things like photography, video, rings and deposits, the cost could range from less than $200 to nearly $600. Much of it depends on how big your wedding is and how much you want to insure.

Progressive Insurance offers it starting $66 in most states.

General liability insurance can cost as low as $21 a month, but may escalate based on your specific needs.

When should you purchase wedding insurance?

As soon as the couple has agreed to marry, they should look into getting wedding insurance.


But here’s the thing: Before you buy wedding insurance, you need to confirm if the venue where the wedding will take place already provides some protection, especially liability coverage.

Atlanta, Georgia, wedding planner Helene Popowski says sometimes people may be able to use their own insurance.

“Let’s say they have $1 million in liability insurance. That would fall under their own umbrella, but then they would just have to purchase cancellation insurance,” Popowski, who operates Helene & Company, Inc, tells Team Clark.

Does it cover bad weather?

Some insurers do sell policies that cover bad weather, but not all. The UK’s Dreamsaver Wedding Insurance, which handles destination weddings abroad, does cover wedding cancellation due to bad weather if the majority of guests are unable to attend.

There are several insurers who provide insurance for weddings. In some cases, instead of wedding insurance, they call it event insurance or special event insurance.

Where to buy wedding insurance

Here are some insurance companies that provide wedding insurance:

Insurer  Plan details
Wedsure Provides liability insurance starting at $125. Additional coverage includes Change of Heart policy and one for lost gifts and jewelry.
Buy liability for as little as $75, save 15% when you bundle with event cancellation coverage.
Travelers Coverage can be purchased up to 2 years out or 24 hours before event. The Travelers Wedding Protector Plan liability insurance coverage has no deductible.
Also covers “change of heart” professional counseling if needed following a cancellation or postponement.
Does not cover a change of heart or events with more than 500 guests, nor are remote locations covered.
Offers insurance that meets 99% of venue’s insurance requirements or your money back.

Bottom line: Should you buy it?

Although it is generally elective, wedding insurance, along with liability and property damage coverage, is required at certain wedding venues.

But here’s the bottom line: In many cases, it may make sense for the bride and groom to purchase it for peace of mind in an already stressful event.

As for whether you should buy wedding insurance, Popowski says this: “It is worth looking into to see if it fits your needs, but always read the fine print.”

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