General Insurance

Do You Need a Wedding Insurance Policy?

Dustin Lemick


Dustin Lemick

Let’s address a topic that might not be the most cheerful but is crucial to consider: the possibility of unexpected hiccups on your wedding day. Whether it’s a last-minute cancellation, a damaged wedding dress, or any other unforeseen mishap, wedding insurance serves as a safety net, offering you valuable peace of mind.

Now, if you need clarification about the ins and outs of wedding insurance, what it covers, or whether it’s a smart choice for your big day, you’re in the right place. We’re here to provide you with a comprehensive guide that covers all aspects of wedding event insurance. By the end, you’ll understand why adding “get wedding insurance” to your wedding plan checklist is wise.


What You Will Learn

What Is Wedding Insurance?

Weddings are joyful occasions filled with love, laughter, and cherished memories. However, as much as we hope for smooth sailing on this special day, unforeseen circumstances can disrupt the best-laid plans. This is where wedding insurance comes into play.

Wedding insurance is a specialized insurance policy designed to protect couples from financial losses from unexpected events or issues that can impact their wedding day.

Understanding the Two Types of Wedding Insurance

Just like navigating the complexities of car insurance with its liability and comprehensive options, wedding insurance presents a similar duality: liability and cancellation coverage.

  • Wedding Liability Insurance

This insurance policy is your safety net, stepping in to safeguard your interests in case of mishaps. It comes to the rescue if a guest gets injured, the venue sustains damage, or any alcohol-related incidents occur during the celebration.

In many cases, the wedding venue will require liability insurance coverage. If so, purchasing wedding liability insurance becomes a must-have. After all, you wouldn’t want to bear the responsibility for accidents, especially when alcohol is part of the equation. While rehearsal dinners aren’t always automatically covered, some policies offer the option to include them.

  • Wedding Cancellation Insurance

This insurance serves as your financial cushion, protecting your investment in the event of unexpected hiccups. It covers scenarios such as cancellation or postponement, lost deposits, and more.

These unforeseen circumstances could encompass various issues, from severe weather to unexpected venue closures or the sudden illness or injury of a crucial individual involved in your wedding plans. Moreover, cancellation coverage might extend to instances where vendors fail to appear as promised.

What Does Wedding Insurance Coverage Include?

While specific coverage can vary depending on the insurance provider and the policy you choose, here’s a breakdown of common items that wedding insurance covers:

  • Cancellation or Postponement: Wedding insurance can cover costs related to canceling or postponing your wedding due to illness, extreme weather, military deployment, or vendor no-shows. This coverage typically includes expenses like non-refundable deposits, rescheduling fees, and additional costs incurred due to the change of date.
  • Venue Issues: If your chosen wedding venue becomes unavailable or experiences problems like double bookings or unexpected closures, wedding venue insurance can help cover the expenses of finding an alternative location or rescheduling the event.
  • Vendor Problems: Wedding insurance can protect you if your hired vendors, such as photographers, caterers, or florists, fail to fulfill their obligations. It can cover costs associated with finding replacement vendors on short notice.
  • Property Damage: Accidents can happen during a wedding celebration. Wedding insurance can cover the repair or replacement costs for property damage, whether damage to the venue or personal property like wedding attire, jewelry, or gifts.
  • Injury or Illness: If a vital member of the wedding party or a close family member falls ill or gets injured, leading to a change in plans, wedding insurance can help cover the expenses incurred due to rescheduling or canceling the wedding.
  • Additional Coverage Options: Some wedding insurance companies offer optional wedding insurance cover ad-ons for specific situations. For example, you may be able to add coverage for the loss of wedding rings or even honeymoon-related issues such as trip cancellations.
  • Wedding Attire: Coverage for damage or loss of wedding attire, such as the bridal gown or groom’s tuxedo, is often included in wedding insurance policies. This policy can be a relief if there’s an accident with your special attire.
  • Gifts and Personal Property: Wedding insurance can cover stolen or damaged gifts and personal property during the event. It’s crucial if you plan to have valuable items on site.

Discuss your requirements with your insurance provider or insurance agent when purchasing wedding insurance and inquire about additional coverage options. This way, you can customize your policy to provide the protection that matters most to you on your special day.

What Insurance for Wedding Events Typically Excludes:

  • Change of Heart: Event insurance typically does not cover a change of heart or cold feet.
  • Watches and Jewelry: Wedding insurance may not extend coverage to items such as watches, gems, and jewelry.
  • Engagement Rings: While there is a chance that wedding rings may be covered, your engagement ring most likely doesn’t fall under the same coverage. You can consider purchasing separate engagement ring insurance or checking if your existing homeowners’ or renters’ insurance offers coverage. Remember that coverage for these items may also be subject to your policy’s deductible.


What Does Wedding Insurance Cost?

Wedding insurance costs can vary significantly among different providers. The overall cost of your wedding insurance package is relative to the coverage you choose and will also depend on the insurance company. Most providers offer bundled discounts for couples who select liability and cancellation insurance policies.

For example, wedding liability insurance, on average, costs between $120 and $300. This estimate is contingent on the extent of the insurance coverage, the addition of extras such as host liquor liability coverage, and specific policy conditions stipulated by the venue. In comparison, the average cost of wedding cancellation and postponement insurance is $255 to $420, depending on the number of guests.

Regarding coverage for cancellations and postponements, these limits typically range from $7,500 to a maximum of $175,000. Extra expense coverage limits, covering costs like finding new vendors or rescheduling, can range from $1,500 to $35,000.

It’s important to remember that most wedding venues require liability insurance and might demand that they be listed as an additional insured on the policy for legal protection. Wedding liability insurance and cancellation insurance are two different policies that can frequently be bundled to create a comprehensive insurance package for your special day.

The key to determining your wedding insurance package is to align the coverage levels with your budget for each wedding-related item. By customizing your wedding day insurance policy package to your specific needs and priorities, you can balance comprehensive protection and affordability, ensuring that your special day remains worry-free.

How to Choose Your Wedding Insurance Policy

Choosing the best wedding insurance policy is a challenging task, but you can make an informed choice with careful consideration. Begin by thoroughly researching the various companies offering special event insurance in your area. Check out online reviews, gather references from trusted sources, and assess the overall reputation of each insurance provider to narrow down your options.

While reputation is crucial, evaluating the extent of coverage each provider offers is equally essential. Prioritize insurance companies that provide comprehensive packages, including liability and wedding cancellation protection.

While venues typically require liability insurance, couples can opt for cancellation insurance.

Affordability is another crucial factor to keep in mind. Your wedding insurance cost should be manageable and not overly burdensome on your overall wedding budget. Balancing coverage and cost is essential to reduce strain on your financial resources.

Here’s a guide to help you make the best choice:

  • Start Early: Begin your search for wedding insurance well in advance of your wedding date. Insurance providers often have different policies and coverage options, so allowing ample time for research is essential.
  • Understand Your Needs: Assess your specific needs and priorities. Consider factors such as your wedding budget, the location of your wedding, the number of guests, and the value of your wedding attire and gifts. Understanding what aspects of your wedding are most important to protect will guide your policy selection.
  • Compare Policies: Request quotes from multiple insurance providers. Don’t solely focus on the price; compare each company’s coverage, deductibles, and policy limits.

What Are the Benefits of Having a Wedding Insurance Policy?

A wedding insurance policy brings invaluable peace of mind by safeguarding your special day against unexpected setbacks. Life’s unpredictability means that illnesses, extreme weather, vendor no-shows, or venue issues can disrupt even the most meticulously planned weddings.

With wedding insurance, you gain financial security, guaranteeing that your substantial investments, from venue bookings to attire purchases, are protected. It also satisfies venue requirements for liability coverage, maintains vendor reliability in case of unforeseen hiccups, and can protect personal property like jewelry and gifts.


Can I purchase an insurance policy for wedding reception?

Yes, you can typically acquire an insurance policy specifically designed to cover your wedding reception or the entire wedding event.

What are some of the most common wedding insurance claims?

Common wedding insurance claims include vendor issues, weather-related disruptions, and illness or injury affecting the couple or essential wedding party members.

What is an insurance policy for a wedding venue?

A wedding venue insurance policy, often referred to as “venue liability insurance” or “event venue insurance,” provides coverage for potential liabilities and damages that may occur during events hosted at the venue, including weddings.

BriteCo Wedding Insurance

When it comes to your special day, BriteCo™ wedding liability and cancellation insurance are your trusted partners, ensuring you’re covered in case circumstances demand a postponement or cancellation of your ceremony or reception.

Visit our user-friendly website, where you can tailor a cost-effective, personalized policy within minutes.

Also Check:

How Do I Upgrade My Wedding Ring? | BriteCo Jewelry Insurance

Get a Quote:

The Easy Way to Insure Your Jewelry - and Save Money!



UP NEXT: Understanding Wedding Cancellation Insurance

Dustin Lemick


Dustin Lemick

Dustin Lemick is the Founder and CEO of BriteCo and a third-generation jeweler with over thirteen years of retail jewelry experience. He holds a Graduate Gemologist degree from the Gemological Institute of America (GIA) and has in-depth knowledge and expertise in appraisal systems, diamond and gemstone markets, retail pricing models, insurance replacement models, and jewelry quotation pricing systems.