Photo by Emma Bauso

Planning a dream wedding is an exciting journey, but it’s also a time when the unexpected can happen. We would uncover wedding insurance: why you should get one and how to get it. Wedding insurance offers coverage for unexpected financial losses during, during, or after a wedding. It protects couples from potential risks and liabilities, covering expenses, deposits, and damages to the wedding day. You will find this writing useful as it elaborates on why you should get wedding insurance and how to go about it.

What is Wedding Insurance?

Wedding insurance is a type of special event insurance that provides coverage for unexpected financial losses that may occur before, during, or after a wedding. It is designed to protect couples from potential risks and liabilities associated with their wedding day. Wedding insurance covers liability and cancellation. 

Features of Wedding Insurance

#1. Cancellation or Postponement Coverage

This feature provides coverage for financial losses if the wedding needs to be canceled or postponed due to unforeseen circumstances. It can help reimburse expenses already incurred and cover additional costs associated with rescheduling the event.

#2. Vendor Issues

Wedding insurance may cover financial losses resulting from vendor-related issues, such as a vendor going out of business, not showing up, or providing subpar services. This can help protect couples from losing deposits or having to find alternative vendors at the last minute.

#3. Venue Issues

If the wedding venue becomes unavailable due to reasons beyond the couple’s control, such as damage or closure, wedding insurance can help cover the costs of finding an alternative venue or rescheduling the event.

Such may provide coverage for losses caused by extreme weather conditions that make it impossible or unsafe to hold the wedding as planned. This can include hurricanes, snowstorms, or other natural disasters.

#5. Liability Coverage

This type protects couples from financial responsibility in case of accidental injuries or property damage that occurs during the wedding. It can cover medical expenses or legal fees if someone gets injured or property gets damaged during the event.

#6. Personal Attire and Jewelry Coverage

Some policies offer coverage for loss or damage to wedding attire, including the wedding dress, tuxedos, and accessories. It may also cover loss or damage to wedding rings and other jewelry.

#7. Gifts and Deposits Coverage

This can provide coverage for stolen, lost, or damaged gifts, as well as deposits made to vendors that are lost due to vendor bankruptcy or other unforeseen circumstances.

#8. Event Photographs and Videos

This feature provides coverage for loss or damage to wedding photographs and videos. It can help cover the costs of reshooting the wedding or editing the existing footage if it is lost or damaged.

#9. Wedding Cake and Flowers

This feature covers loss or damage to the wedding cake or flowers, ensuring that couples are reimbursed for any costs associated with replacing or repairing these items.

#10. Wedding Rings

Wedding insurance can provide coverage for loss, theft, or damage to the wedding rings. This can include engagement rings, wedding bands, and any other rings purchased or worn during the wedding.

Wedding Insurance Liability

Wedding insurance liability coverage is a key component of wedding insurance policies. It protects the couple in case they are held liable for accidental injuries or property damage that occur during their wedding event. Also, it is often required by venues as it helps protect their interests in case of accidents or damages during the event. It provides peace of mind to the couple, knowing that they have financial protection in case of unforeseen incidents.

Benefits of Wedding Insurance Liability

Wedding insurance liability coverage provides several key benefits:

#1. Financial Protection

Liability insurance can cover the costs of injuries or property damage for which the wedding couple is held legally responsible. This provides financial protection against expensive lawsuits and claims.

#2. Comprehensive Event Protection

Having wedding insurance liability coverage complements other aspects of wedding insurance, such as cancellation or postponement coverage. This provides comprehensive protection against a wide range of potential risks and unforeseen circumstances.

Many wedding liability policies include liquor liability coverage. This protects the couple if an incident occurs due to the consumption of alcohol during the wedding, such as injuries or damages caused by an intoxicated guest.

#4. Coverage for Contingencies

Liability insurance can cover a wide range of accidental injuries and property damage that may occur before, during, or after a wedding. This protects against unforeseen contingencies.

#5. Customized Limits

Couples can choose different liability insurance limits based on the size of their wedding and their risk tolerance. Higher limits provide increased financial protection.

#6. Liquor Liability

Separate liquor liability coverage is often included, protecting if alcohol is served at the wedding. This can cover injuries or damages stemming from intoxicated guests.

#7. Protection Against Lawsuits

Wedding liability coverage protects the couple from potential lawsuits arising from accidents or injuries that occur during the wedding. It can cover legal fees, settlements, or judgments if the couple is found liable.

#8. Coverage for Guest Injuries

If a guest sustains an accidental injury during the wedding, liability insurance can help cover their medical expenses. This ensures that the couple is not financially burdened by unexpected medical costs.

#9. Venue Protection

Liability coverage can help protect the wedding venue from potential damages caused by the couple or their guests. This can include accidental damage to the property or any items within the venue.

#10. Peace of Mind for Guests

Liability insurance provides reassurance to guests attending the wedding, knowing that there is coverage in case of accidents or injuries. This can contribute to a more relaxed and enjoyable atmosphere.

Cost Of Wedding Insurance

The cost of wedding insurance can vary depending on several factors, including the coverage options selected, the size and location of the wedding, and the insurance provider. 

Things To Know About The Cost Of Wedding Insurance 

#1. Cost Range

The cost of wedding insurance can vary significantly depending on factors such as the coverage options chosen, the size and location of the wedding, and the insurance provider. Premiums can range from less than $100 for basic liability coverage to over $1,000 for more comprehensive policies.

#2. Issuing Insurer

Different insurers may offer different rates for wedding insurance policies, so it’s important to shop around and compare prices.

#3. Discounts

Some insurance companies may offer discounts if liability and cancellation coverage are purchased together.

#4. Coverage Options

The specific coverage options selected, such as liability, cancellation, or additional riders, can impact the overall cost of the policy.

#5. Venue Requirements

In some cases, wedding liability insurance may be required by the venue. Compliance with venue requirements may be a factor in determining the cost of the policy.

#6. Wedding Size

The number of guests attending the wedding can affect the cost of insurance. Larger weddings with more attendees may have higher premiums due to the increased risk of accidents or incidents.

#7. Wedding Location

The location of the wedding can also impact the cost of insurance. Weddings held in high-risk areas, such as hurricane-prone regions or venues with a history of accidents, may have higher premiums.

#8. Policy Limits and Deductibles

The coverage limits and deductibles chosen by the couple can affect the cost of the policy. Higher coverage limits and lower deductibles typically result in higher premiums.

How To Find The Best Wedding Insurance

Finding the best wedding insurance policy can be overwhelming, as there are many options available. Some tips can help you find the best wedding insurance policy.

Steps Taken To Find The Best Wedding Insurance

#1. Research Reputable Insurance Providers

Look for well-established insurance companies that offer wedding insurance coverage. Check their reputation, customer reviews, and ratings to ensure reliability and customer satisfaction.

#2. Compare Coverage Options

Review the coverage options provided by different insurance companies. Consider the specific needs of your wedding, such as liability coverage, cancellation coverage, or coverage for specific events or circumstances. Compare the coverage limits, deductibles, and additional riders or endorsements available.

#3. Consider your Wedding Budget

Determine how much you are willing to spend on wedding insurance. Keep in mind that the cost of insurance can vary based on factors such as the size of the wedding, location, and coverage options. Evaluate the cost of premiums and the value of the coverage provided by each policy.

#4. Check for Discounts

Inquire about any available discounts or special offers provided by insurance companies. Some insurers may offer discounts if you bundle wedding insurance with other policies or if you meet certain criteria.

#5. Read Policy Terms and Conditions

Carefully review the terms and conditions of the insurance policies you are considering. Pay attention to exclusions, limitations, and any specific requirements or documentation needed to file a claim.

#6. Seek Recommendations

Ask friends, family, or wedding professionals for recommendations on reputable insurance providers. Their personal experiences and insights can help you make an informed decision.

#7. Obtain Multiple Quotes

Request quotes from different insurance providers to compare costs and coverage. This will help you find the best balance between affordability and comprehensive coverage.

#8. Consider Additional Insured Parties

If your wedding venue or vendors require proof of insurance, ensure that the policy you choose allows for the inclusion of additional insured parties.

#9. Check for Nationwide Availability

Ensure that the insurance provider offers coverage in your specific location. Some insurance companies may have limitations on coverage based on geographical regions.

#10. Consider the Claims Process

Research the claims process of the insurance providers you are considering. Look for companies with a straightforward and efficient claims process. Check if they have a dedicated claims hotline or online claims submission process.

Day Of Wedding Insurance

Day of wedding insurance, also known as one-day event insurance, is a specific type of coverage designed to protect couples and their wedding-related investments on the day of their wedding. It provides coverage for unforeseen circumstances such as cancellation or postponement due to extreme weather, illness or injury to key individuals, vendor no-shows, venue damage, or gift theft. Liability coverage is often included to protect against accidents or injuries during the event. 

Wedding Insurance Providers

Here are some wedding insurance providers that offer coverage for various aspects of a wedding

#1. Wedsure!

Wedsure! is recognized as the best overall wedding insurance provider in 2023. They offer comprehensive coverage for weddings both within and outside the United States. Wedsure! provides coverage for various aspects of a wedding, including cancellation, liability, and change of heart.

#2. eWed Insurance

eWed Insurance is known for its fast underwriting process. They offer quick and efficient coverage for weddings, ensuring that couples can obtain the necessary insurance without delays.

#3. Travelers Wedding Protector Plan

Travelers Wedding Protector Plan is considered the best insurance provider for destination weddings. They offer coverage for weddings taking place in different locations, including international destinations. 

#4. EventHelper

EventHelper is recognized for its excellent customer service. They provide personalized assistance and support to couples throughout the insurance process. EventHelper offers coverage for various aspects of a wedding, including cancellation, liability, and property damage.

#5. WedSafe

WedSafe is known for its expertise in providing certificates of insurance. They offer coverage for weddings and related events, ensuring that couples have the necessary documentation to meet venue requirements and vendor agreements.

#6. Hiscox Wedding Insurance

Hiscox is a well-known insurance provider that offers coverage for weddings. Their wedding insurance policies cover cancellation, postponement, and vendor bankruptcy. Hiscox also provides liability coverage for bodily injury and property damage that may occur during the wedding.

#7. InsureMyWedding

InsureMyWedding is a leading wedding insurance provider in the United States. They offer coverage for various aspects of the wedding day, including cancellation, postponement, and vendor no-shows. InsureMyWedding also provides liability coverage and optional add-ons for things like lost deposits and damage to wedding attire.

#8. Markel Wedding Insurance

Markel Wedding Insurance offers coverage for weddings. Their policies cover various aspects of the wedding, including cancellation, postponement, and vendor no-shows. They also provide liability coverage and optional add-ons for things like marquee damage and ceremonial swords.

#9. Event Insurance Services

Event Insurance Services provides policies that cover various aspects of the wedding, including cancellation, postponement, and vendor no-shows. Their policies also include liability coverage and optional add-ons for things like property damage and lost deposits.

#10. Wedding Plan Insurance

Wedding Plan Insurance provides coverage for weddings in various locations. They offer different levels of coverage, including cancellation, rearrangement, and supplier failure. Their policies also include public liability insurance.

Why Should I Get Wedding Insurance?

Wedding insurance provides financial protection and peace of mind in case of unforeseen circumstances that may lead to wedding cancellation or postponement. It can cover expenses already incurred and protect against vendor-related issues. Additionally, wedding insurance often includes liability coverage for accidents or property damage during the event. The flexibility of wedding insurance allows customization to suit your specific needs. Assessing individual circumstances can help determine if wedding insurance is necessary.

Does Wedding Insurance Cover A Change Of Heart?

Wedding insurance policies do not cover a change of heart or voluntary cancellation by the bride or groom. It is designed to protect against unforeseen circumstances such as extreme weather, vendor issues, or illness/injury to key individuals. 

How Much Does Event Cancellation Insurance Cost?

The cost of event cancellation insurance can vary depending on factors such as coverage limits, wedding budget, and specific options chosen. An average cost of around 90 cents per $100 of exposure to be insured. Premiums can range from $75 to $235 for liability coverage, and the average cost of a wedding insurance policy is around $275. Obtain quotes from different providers and review policy terms to get an accurate cost for event cancellation insurance.

Is Markel Event Insurance Good?

Markel event insurance generally receives positive reviews and is considered a reputable provider. Markel offers event cancellation and postponement policies, as well as liability coverage for events such as weddings. They provide customizable coverage options and affordable premiums. Markel’s event insurance has been recognized as one of the best options in the industry, offering a combination of liability and cancellation coverage. 

Is Wedsafe A Good Insurance Company?

WedSafe is a good insurance company for wedding insurance. It has been around since 1999 and offers insurance products backed by Nationwide Insurance, a Fortune 100 company with an A+ rating for financial strength from A.M. Best. WedSafe provides two main types of wedding insurance coverage: wedding liability insurance and wedding cancellation and postponement insurance. They offer customizable coverage options, affordable premiums, and a 15% discount if you purchase both cancellation and liability coverage. 

How Long Before The Wedding Should You Get Insurance?

It is recommended to purchase wedding insurance as soon as you start making deposits and purchases for your wedding. This ensures that purchases you have already made will be covered, as long as you have the insurance in place. Some insurance companies allow you to get coverage up to two years before the wedding, while others may offer coverage for extreme weather if you get cancellation insurance at least 15 days before the wedding. 

Is Wedding Cancellation Insurance Worth It?

Wedding cancellation insurance can be worth it as it provides coverage for unforeseen circumstances that may lead to the cancellation or postponement of your wedding. It helps protect your financial investment by reimbursing non-refundable deposits and expenses. The cost is typically a fraction of the overall wedding budget, but it’s important to review the policy terms and conditions. Factors such as non-refundable deposits, potential financial loss, and peace of mind should be considered when deciding if it is worth it for you. Some venues or vendors may also require wedding insurance. 

What Is Not Covered By Event Cancellation Insurance?

Event cancellation insurance typically does not cover business, public, or sporting events. It may not cover outbreaks of communicable diseases unless specifically requested. War, pollution, financial insolvency, and lack of support are generally excluded. Losses due to poor planning or lack of interest are not covered. Events with animals, firearms, explosives, or amusement devices may be ineligible. Standard policies usually exclude coverage for infectious diseases, pandemics, or epidemics. 


Wedding insurance liability coverage is a crucial part of wedding policies, providing financial protection for the couple in case of accidental injuries or property damage. It offers comprehensive event protection, covers alcohol-related incidents, covers contingencies, and allows couples to choose customized limits based on their risk tolerance. The cost of wedding insurance varies based on coverage options, size, location, and provider. Day of wedding insurance protects couples and their investments during the event, covering unforeseen circumstances like cancellations, liability, and changes of heart.


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