What Is Wedding Insurance and Is It Worth the Cost?

Your ceremony and reception will likely be the most expensive event you and your partner plan, with the typical wedding budget currently hovering around $20,000 for both the ceremony and the reception. Considering how much money is at stake, getting wedding insurance might be a good idea. However, it’s crucial to understand what a policy will and won’t cover before you purchase one.


  • A wedding insurance policy can offer financial security from unanticipated occurrences on your special day.
  • Injury or accident claims made under wedding liability insurance may be paid for during the wedding ceremony or reception.
  • If you have to cancel or postpone your wedding due to bad weather, an accident, an illness, or a problem with a vendor, wedding cancellation or postponement insurance can help you get reimbursed for your expenses.
  • Wedding cancellation and postponement insurance begins at about $100, while wedding liability insurance starts at about $125.

What Is Insurance for a Wedding?

Wedding insurance is a special event insurance product that provides financial security for celebration-related issues. There are primarily two types:

  • liability insurance for weddings. Liability insurance will pay you in paying for any injuries or property damage that arises during your event. Liability insurance might pay the cost of replacement or repair of the venue’s window, for instance, if a wedding guest indulges in the open bar too much and causes damage.
  • Cancellation or postponement of a wedding. If the ceremony or reception must be cancelled or postponed due to events beyond your control, wedding cancellation or postponement insurance will reimburse you. For instance, if the ceremony was postponed due to severe weather—such as a hurricane or blizzard—illness, injury, or because a vendor went out of business, your policy may cover you.

Riders for Wedding Insurance

Typically, wedding insurance covers specific situations, but you can add optional insurance riders to get more coverage. There may be common riders available, such as:

  • a military career. A military service rider would cover the expenses of rescheduling your event if you or your partner are in the military or in the active reserves and are called to duty.
  • wedding dresses and tuxedos. This rider will cover in covering the cost of new clothing if the retailer where you purchased your wedding wedding or tuxedo closes its doors, leaving you without your attire or deposit.
  • Honeymoon. A honeymoon rider could reimburse you back for your travel expenses if you have to postpone your honeymoon due to bad weather or illness. What Excludes from Wedding Insurance cover?
  • Wedding insurance does not cover every potential problem. Although policy company terms can differ, the following exclusions typically hold true:

Cost. Wedding insurance typically does not cover cancellations or postponements brought on by financial constraints. Consider the scenario where you decide to cut back after realizing that the ceremony and reception have cost more than you anticipated. Your wedding insurance policy won’t reimburse any lost deposits or other costs in that situation.

Change of heart Your policy typically won’t cover the expenses associated with the wedding’s cancellation if you or your partner decide against getting married.

Everyday inclement weather If you, your significant other, or at least half of your guests are unable to reimburse to the wedding venue due to extreme weather, your wedding insurance will only be reimbursed for cancellations or postponements. The policy won’t reimburse you for more typical weather events, like rain on the day of your beach wedding.

You should carefully read the terms and exclusions of a policy before buying one so that you are aware of what is and is not covered.

How Much Does Wedding Insurance Cost?

Wedding insurance costs vary depending on a cost of variables:

  • where you are
  • The granting insurance
  • Protection amounts
  • A large wedding
  • Alternative riders

The average cost of a general cancellation and postponement policy is between $100 and $500. It costs about $125 to purchase a general liability policy that covers accidents and injuries up to $1 million.

Obtaining policy quotes from various insurance companies and comparing them is a smart move. If you don’t know where to begin, look at our list of the top wedding insurance companies for 2021.

Is gift insurance included for weddings?

If you don’t add a wedding gift rider when you purchase your insurance, a standard wedding insurance policy won’t typically cover lost or stolen gifts.

Will a wedding insurance policy cover a split?

Unfortunately, cancellations resulting from a couple’s breakup are typically not covered by wedding insurance.

Where can I find insurance for my wedding?

Some major insurance companies as well as companies that focus on this industry sell wedding insurance.

the conclusion

If something goes wrong on your big day, a wedding insurance policy can help cover your expenses. Given the price of a typical wedding today, even though a policy for a typical ceremony can cost several hundred dollars, it might be well worth the investment.

As soon as you start the planning process, it’s a good idea to start looking for a wedding insurance policy. Read the exclusions and restrictions carefully because policies vary in what they will and won’t cover. Compare policies and rates from different companies.

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