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Wedding Insurance

What Does Wedding Insurance Cover?


What is Wedding Insurance?

Wedding Insurance is exactly what it sounds like – an insurance policy that covers your wedding and financially protects you against misfortune and mishap. Wedding Insurance policies are relatively inexpensive – a basic policy costs between $125 to $500 – and can help you have peace of mind.

Is Wedding Insurance Right For You?

The decision to purchase wedding insurance is a highly personal one – a financial decision that is an additional cost for your wedding budget, but will protect you from unforeseen disasters and mishaps. As the average cost of weddings rises, now $27,000 in the US, wedding insurance becomes more of a necessity. After all, you wouldn’t buy a new car that cost that much without insuring it against damage. If you are having a less expensive affair, or are a couple that likes to live with risk, perhaps you’ll decide to forgo the insurance. Keep in mind that you can get a less expensive policy that will only cover either a more intimate affair or a specific risky part (such as if you’re worried about your luggage getting lost en route to your destination wedding; wedding insurance could cover the cost of quickly replacing your gown and tuxedo.)

What Wedding Insurance Policies Typically Cover

  • Weather If your celebration has to be postponed because of rain or other bad weather, your policy should cover the cost of rescheduling.

  • Illness or Injury If essential people get sick or injured and cause the wedding to be postponed, the expenses involved with that postponement are covered.

  • A Missing Officiant If your minister, justice of the peace, rabbi or other celebrant should be a no-show, you’ll recoup some of your costs.

  • Missing vendors Similarly, if your caterer, florist, photographer, or other key vendor is missing in action, you’ll recover some costs and possibly the costs of rescheduling the whole thing.

  • Your Location If your ceremony and reception sites don’t already carry their own insurance, your wedding insurance policy can cover damage to the site, fire, electrical or mechanical problems, or going out of business that causes you to lose money or have to reschedule.

Additional Riders You Can Purchase

  • Military Service Should the bride or groom be in the military or active reserves, you’ll want to be insured in case they are called to duty suddenly and everything has to be postponed.

  • Your Gowns and Tuxedos including stores going out of business or damage.

  • Gifts If your homeowners or renters insurance doesn’t cover them, you may want to protect against theft or damage of gifts.

  • Liability Most sites carry liability insurance, but if you’re having your wedding at home, you’ll want to be protected in case a guest gets hurt or hurts someone else.

  • Honeymoon Protect yourself against having to cancel your trip due to illness, bad weather or other unfortunate circumstances.

What Isn’t Covered

  • Cancelling due to cold feet

  • Cancelling because of something you already knew when you took out the policy

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