Brides Want To Know: Do I Need Wedding Insurance?

Let's face it: Anything can happen on your wedding day, so don't be lulled into thinking that your event is immune from disaster. Your photographer might not show up…or your aunt could melt your wedding dress while ironing out a few wrinkles. Wouldn't it be nice to have some protection and peace of mind in case something happened to your venue, gown, or vendors?

Wedding insurance can financially protect you against a variety of unexpected problems that could tarnish your special day—and bank account.

We've teamed up with WedSafe to give you the inside scoop on wedding insurance and help you better understand what it can offer.

Wilson Lee Weddings

Photo Credit: Wilson Lee Weddings

Why should a couple consider purchasing wedding insurance?

You invest a lot of time, energy, and money in creating a beautiful day. Wedding insurance is a way to protect that investment, as it can cover a multitude of things, from relatively small issues that incur additional costs to unforeseen circumstances that can cause the cancellation or postponement of the entire reception.

Also, since events pose liability risks, many venues require liability insurance before they'll allow you to use their facilities. Your venue may ask you to provide proof of Event Liability Insurance as part of your contract with them.

What are the basic types of wedding insurance available, and what do they cover?
  • Event Liability & Property Damage Insurance is required by many wedding venues and can protect you if you are held financially liable for property damage, bodily injury, or alcoholrelated accidents arising out of your wedding.
  • Event Cancellation/Postponement Insurance offers coverage for nonrefundable expenses or lost deposits should the event need to be cancelled due to extreme weather, unexpected illness, military leave, and other serious situations.

Wedding Cancellation Insurance can help protect against not only the financial impact of unforeseen cancellation or postponement, but also against vendors who do not fulfill their obligations. For example, if one of your vendors goes out of business right before your wedding, you'd be able to get your deposit back.

Here are some unexpected scenarios that wedding insurance may cover:

  • Hurricanes and other weather events that force a wedding cancellation
  • Theft of gifts at the reception
  • Photographs lost or damaged, requiring additional expenses to reshoot
  • Wedding forced to relocate at the last minute for any number of reasons
  • Injuries and sickness preventing key participants in the event from attending

These are all examples of losses that a wedding insurance policy could cover, saving you thousands of dollars!

Five Grain Events

Photo Credit: Five Grain Events, Shane Welch Photography

Do I only need to get wedding insurance if I have a high-end wedding?

The question to ask is: "What would happen to my wedding investment if something went wrong?" Whether you're spending $20,000 or $200,000 you should consider being protected. The wedding Event Cancellation Insurance premium is based on the limits selected, so you can get the coverage and rate level that's appropriate for your wedding.

How much does wedding insurance typically cost?

Wedding insurance policies start at only $75 in most states, and the average cost is under $200. The price of a policy depends on a variety of factors. WedSafe offers instant, nohassle quotes and the option to purchase online in just minutes.

Any other tips for a couple considering wedding insurance?

Insurance policies vary not only from company to company, but also from state to state. Find a reputable company who specializes in the type of coverage you're looking for, and check out the products and benefits they offer. A business like WedSafe , which is dedicated specifically to wedding insurance, makes that process easy for you.

Do you have some final suggestions for engaged couples about to start their wedding planning?

First, take as much enjoyment as you can in planning your special day. Second, establish your overall budget. Third, once you begin placing deposits with the venue or other vendors, stop by and obtain an instant, noobligation rate quote. Both Event Liability and Event Cancellation Insurance can be purchased online very quickly. There may even be up to a 15% discount for purchasing both types of policies at the same time!

This article is provided for general informational purposes only and is not intended to provide individualized advice. Only the relevant insurance policy provides actual terms, coverages, amounts, conditions, and exclusions for an insured.

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