Wedding Insurance 101 | Should We Get Wedding Insurance?

Photo: Carling Zhou

Photo: Carling Zhou

Your wedding is one of the most exciting days of your life — and it can also be one of the most expensive. It's no wonder, then, that as weddings get more costly and elaborate, getting wedding insurance has become a more common pre-nuptial to-do. Only you know what kind of policy you'll need — and your venue, caterer and wedding planner can help you out with this.

Wedding insurance can also protect you if one of your guests gets sick or injured during the festivities. Some policies may even cover costs if guests cause damage to the venue. You don't want to be held liable if a guest falls and hurt themselves or gets food poisoning.

Wedding Cancellation/Postponement Insurance: If circumstances beyond your control force you to postpone or cancel your wedding, this coverage provides reimbursement for losses and expenses, resulting from:

  • Severe weather

  • Sudden illness

  • No-show vendors

  • Damage to attire, photos or gifts

Here's the thing: wedding insurance is designed to protect you (and your money) if something unexpected happens. But wedding insurance doesn't cover everything, which is why I always recommend to my clients to do their research and then select the best policy for them. You don't want to take a chance and have your selected venue go out of business then you'll have no place to get married at or worst, how to recover your deposit. Protect yourself, get wedding insurance. Companies like Geico, Progressive, State Farm, and WedSafe offer wedding day insurance.

Help protect yourself against financial loss that could result from a wedding mishap or vendor incident. Wedding Liability Insurance is now required by many wedding venues. You can purchase Liability with Cancellation/Postponement Coverage, you can even get coverage for Private Event Insurance.

Visit our FAQ page for more helpful Q+As. If you have a wedding question of your own, leave a comment below and we’ll answer in our next post.

Happy Planning!