As the average cost of getting hitched keeps rising, more couples are using Wedding Insurance Overview to protect their investment against mishap and help ensure peace of mind on this special day.
Typical coverages
- 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 of 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 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 other risks, ranging from a military service call-up for the bride or groom to damage to a wedding gown or tuxedo, stolen or damaged gifts, and cancellation of your honeymoon due to illness, bad weather, or other mishap.
If you need day-of coverage or separate protection for reception activities, consider Wedding Event Insurance options that focus on event-specific exposures.
If you're holding the ceremony in your home, you might also want liability insurance in case a guest is injured or causes injury to someone else.
Premiums can range from about $100 to $1,000 depending on limits and whether you add liability coverage or an open bar.
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 usually cover?
Typical policies reimburse losses for weather-related postponements, key participants' illness, missing vendors, no-show celebrants, and venue damage, with optional riders for gowns, gifts, or honeymoon cancellation.
When should I buy wedding insurance?
Buy as soon as you make nonrefundable deposits or sign vendor contracts so you have coverage for those commitments.
Does wedding insurance cover bad weather?
Many policies cover rescheduling costs or losses caused by severe weather, but coverage details and exclusions vary by policy.
Will it cover a damaged wedding gown or stolen gifts?
Often available as optional riders, coverage for attire and gifts can be added for an extra premium and may have specific limits and conditions.