As the average cost of getting married keeps rising, more couples are using wedding insurance to protect their investment and ensure peace of mind on the big day.
What wedding insurance may cover
- Weather: The cost of rescheduling if the event must be postponed because of rain or other bad weather.
- Illness or injury to the bridal party: Expenses from postponing the wedding if essential people (such as the maid of honor or best man) can't attend.
- A missing celebrant: Some of the costs if your minister, justice of the peace, rabbi, or other celebrant doesn't show up.
- Missing vendors: Some or all of the expense (including rescheduling) if the caterer, florist, photographer, or other key vendor is missing in action.
- Damage to the venue: Losses if fire, electrical or mechanical outage, or the venue going out of business makes the wedding or reception site unusable, forcing you to reschedule. (This coverage might not apply if the site already carries insurance.)
You can also buy coverage "riders" for a variety of other risks, ranging from a military service call-up for the bride or groom to damage to a wedding gown or tuxedo, to stolen or damaged gifts, and cancellation of your honeymoon due to illness, bad weather, or other mishap.
If you're holding the ceremony in your home, you might also want liability insurance in case a guest is injured.
If your needs focus on supplies and vendor issues, see Wedding Supplies Insurance for options that can cover rented or stored items.
For broader coverage tailored to the ceremony or reception itself, learn more about Wedding Event Insurance.
Premiums vary based on coverage and exposures. We'd be happy to tailor a wedding policy to meet your needs and budget; talk to an agent.
Frequently Asked Questions
What does wedding insurance generally cover?
It typically covers financial losses from canceled or postponed events, certain vendor no-shows, weather-related rescheduling, and damage to the venue or attire, depending on the policy.
When should I buy wedding insurance?
Buy coverage as soon as you have nonrefundable deposits or significant out-of-pocket expenses to protect, since some perils may only be covered if purchased in advance.
Will wedding insurance cover a vendor who goes out of business?
Some policies include vendor failure or insolvency coverage, but terms vary and some policies may exclude vendors who carry their own insurance.
How do I know what limits and riders I need?
Consider which elements of your event would be costly to replace or reschedule and discuss those with an agent to choose appropriate limits and riders.