About Wedding Insurance

August 30, 2013 at 9:00 am Leave a comment

blog picTo insure or not to insure your wedding is a great question for couples who have placed a substantial investment into the planning of their wedding. Wedding insurance offers protection from unexpected occurrences such as vendor no-shows or weather-related issues. Whether you need it or not, depends on several factors. Read on to learn more about wedding insurance.

About Wedding Insurance

When it comes to weddings, expect the unexpected. Wedding insurance helps you recoup lost costs and deposits associated with your wedding due to unforeseen events.

Everyone hears stories about wedding disasters resulting from unseasonal ice storms or wedding dresses gone missing. Just as you would buy insurance to protect your car or home, wedding insurance offers coverage for your special day.

Wedding insurance policies are not for every couple and many have certain limitations, but if you are planning a very expensive affair then it may be worth the price of protection and peace of mind.

What is Covered?

Coverage for a wedding varies with each insurance company. Basic wedding insurance often includes missing vendors, postponement due to weather, absent officiant, unexpected illness or injury and venue protection in case of physical damage or unanticipated events such as bankruptcy.

Determine the type of coverage you desire before selecting a policy. Additional riders may be available including postponement due to military duty, honeymoon protection in case of bad weather or illness and wedding attire protection from stores that go out of business or unable to deliver.

Always read the fine print in your coverage, this ensures that you understand all the terms, conditions, limitations and exclusions related to your policy.

What Are Exclusions?

Exclusions are factors not covered by a wedding policy. The most common exclusion is cold feet, if one of the marrying couple decides to cancel at the last-minute due to a change of heart; the wedding costs are not covered.

Another recurrent exclusion is pre-existing medical conditions that may cause your wedding day to be rescheduled or result in termination of your ceremony.


Most wedding and reception venues require liability insurance in order to use their facilities. Liability offers protection from financial loss associated with property damage and bodily harm. Options include liquor liability and cancellation. Wedding liability coverage is sometimes referred to as wedding reception insurance.

Important Considerations

Inquire about wedding insurance policies as soon as possible; some companies have limitations on when you can purchase a policy before your wedding.

Get quotes from several companies before buying. By doing your research, this gives you the best opportunity to compare costs and select the right insurance policy for your wedding.

Planning an upcoming wedding and need ideas or suggestions?  Attend the Great Bridal Expo, a nationwide touring wedding show featuring current wedding trends, an incredible honeymoon showcase, New York-style fashion shows, live orchestra and DJ performances, endless exhibitions and a bevy of knowledgeable wedding professionals ready to meet with you and make your wedding dreams come true. Click HERE to register and use code BLOG for 2 FREE tickets!

Subscribe to Great Bridal Expo via Email


Entry filed under: WEDDING PLANNING. Tags: , , , , .

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