Wedding Insurance
Coverage for wedding cancellation, vendor no-shows, and liability.
Typical cost: $200 – $1,000
What Is Wedding Insurance?
Wedding insurance protects your financial investment in your wedding day. With the average wedding costing $30,000-$50,000, unexpected cancellations, vendor failures, or accidents can result in significant losses. Wedding insurance provides peace of mind that your special day is protected.
Cancellation vs. Liability Coverage
Wedding cancellation insurance reimburses deposits and prepaid expenses if you must cancel or postpone due to covered reasons like illness, severe weather, or vendor bankruptcy. Wedding liability insurance covers accidents and injuries at your event—often required by venues.
When to Purchase
Buy wedding insurance as soon as you start making deposits. Cancellation coverage protects prepaid expenses from that point forward. Note that cold feet and change of heart are not covered reasons for cancellation—only unforeseen circumstances beyond your control.
What's covered
Event Cancellation
Reimburses deposits and prepaid costs if wedding is canceled for covered reasons.
Postponement Coverage
Covers additional costs to reschedule if original date becomes impossible.
Vendor No-Show
Pays for last-minute replacement vendors if contracted vendors fail to appear.
Severe Weather
Covers cancellation or damage from hurricanes, blizzards, and extreme weather.
Liability Coverage
Protects against injury claims from guests and property damage at your venue.
Liquor Liability
Covers alcohol-related incidents if you are serving alcohol at the reception.
Pros and cons
Advantages
- Protects substantial financial investment in wedding costs
- Liability coverage often required by venues anyway
- Covers vendor failures and no-shows
- Severe weather protection for outdoor weddings
- Relatively affordable—typically $200-$600
- Host liquor liability available for open bar receptions
Considerations
- Change of heart or cold feet not covered
- Pre-existing conditions known at purchase excluded
- Communicable disease coverage varies by policy
- Destination weddings may have limitations
- Military deployment coverage may require separate endorsement
Frequently asked questions
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