What Is Wedding Insurance?

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In this article we will know about wedding Insurance. Your wedding and the reception that follows it are likely going to be the most expensive event that you and your spouse will ever organize. The national average for the cost of a wedding is now hovering around $20,000.

Wedding Insurance

Considering how much cash is at stake, purchasing wedding insurance could prove to be a very astute decision. However, prior to purchasing an insurance, it is critical to have a thorough understanding of what the policy will and will not cover.

What Is Wedding Insurance?

Wedding insurance is a kind of special event insurance that provides monetary protection in the event that any problems arise in connection with your celebration. There are primarily two different types:

  • Insurance against liability for weddings: If someone is injured or their property is damaged as a result of your event, liability insurance can assist you in covering those costs. For instance, if a wedding guest consumes too much alcohol at the open bar and breaks a window at the reception site, the venue’s liability coverage may pay for the window’s replacement or repair.
  • Cancellation of the wedding or postponing of the event: If the ceremony or reception for your wedding needs to be canceled or postponed due to events that are beyond your control, wedding cancellation or postponement insurance can compensate you for the costs associated with those cancellations or postponements. For instance, if the ceremony had to be canceled because of severe weather (such as a hurricane or a severe snowstorm), illness, or injury, or because a vendor went out of business, your insurance coverage might pay for the costs associated with those occurrences.

Wedding Insurance Riders

The normal coverage provided by wedding insurance is limited, but further protection can be obtained through the purchase of supplemental insurance riders. The following are examples of common riders that might be available:

  • Serving in the armed forces
    In the event that you or your partner are called to active duty while serving in the armed forces or active reserves, a military service rider will pay for the costs associated with rescheduling your event.
  • Wedding dresses and men’s tuxedos.
    This rider will assist in covering the expense of new garments in the event that the retailer from which you purchased your wedding gown or tuxedo goes out of business, leaving you stranded without your wedding attire or deposit.
  • Honeymoon.
    If you are forced to cancel your honeymoon due to circumstances beyond your control, such as bad weather or illness, a honeymoon rider may pay you for the costs of your trip.

What Is Excluded From the Wedding Insurance’s Coverage?

There are several things that are not covered by wedding insurance that could go wrong. Although the conditions of policies can vary depending on the insurer, the following exceptions almost always apply:

  1. Cost. Wedding insurance often does not cover cancellations or postponements due to expense. Assume you discover that the ceremony and reception have exceeded your budget and decide to cut back. In that instance, your wedding insurance policy would not cover any lost deposits or other costs.
  2. A change in heart. If you or your spouse decide not to marry, your policy will usually not cover the costs incurred as a result of the wedding’s cancellation.
  3. Typical awful weather. Wedding insurance will only reimburse you for cancellations or postponements caused by extreme weather, which means conditions that are so severe that you, your partner, or at least half of your guests are unable to reach the wedding venue. The policy will not reimburse you for more common weather situations, such as rain on the day of your beach wedding.

You need to make sure you have a thorough understanding of the policy’s terms and exclusions before you buy it. This will help you determine what is and is not included in the coverage.

How Much Is Wedding Insurance?

The cost of wedding insurance is determined by various factors, including:

  • Your current location
  • The issuing insurance company
  • Amounts of coverage
  • Wedding size
  • Optional riders

A simple cancellation and postponement policy will typically cost between $100 and $500. A general liability policy that covers accidents or injuries up to $1 million costs roughly $125.

Shopping around and comparing coverage quotes from several insurance companies is a good idea. If you’re not sure where to begin, consider our recommendations for the top wedding insurance companies.

Is wedding insurance applicable to gifts?

Unless you purchase an additional “wedding gift rider” when you purchase your insurance policy, a standard wedding insurance policy will not normally cover presents that are misplaced or stolen after the wedding.

Does wedding insurance cover divorce?

Unfortunately, wedding insurance usually does not cover cancellations due to a couple’s divorce.

Where can I buy wedding insurance?

Wedding insurance is sold by some major insurance companies, as well as by companies that specialize in this particular niche.

If something goes wrong on your wedding day, a wedding insurance coverage might assist pay the costs. Although an insurance for a regular ceremony can cost several hundred dollars, given the expense of the average wedding today, it may be well worth the investment.

It’s a good idea to start looking for wedding insurance as soon as you start organizing your wedding. Compare plans and rates from several firms, and be sure to thoroughly read the exclusions and restrictions, as policies differ in what they will and will not cover.


  • A coverage for wedding insurance might offer you financial security in the event that something unforeseen happens on your big day.
  • Injuries or incidents that take place during the wedding ceremony or reception may be covered by the insured party’s wedding liability insurance policy.
  • If you need to call off or postpone your wedding ceremony because of severe weather, an injury, illness, or a problem with a vendor, wedding cancellation or postponement insurance can repay you for the costs that you spend as a result of having to do so.
  • Insurance against wedding liability begins at approximately $125, while insurance against wedding cancellation and postponement begins at approximately $100.

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