Do you really need Wedding Insurance?

A guide to insurance for your day

I highly recommend all my couples purchase wedding insurance for their wedding. Wedding insurance is special event insurance that provides coverage for unexpected mishaps related to the wedding day such as a venue shutting down, vendor no-shows or last minute cancellations, extreme weather, stolen or damaged gifts, sickness or injury, and more. 

Here are some companies I recommend for wedding insurance:


Travelers Wedding Protection Plan: (Best Insurance for Destination Weddings)

eWed Insurance


Markel Insurance

It is also common practice for couples to add this coverage on through their homeowner’s insurance coverage, so consider this an option as well.

Here are the best tips for what to think about when booking insurance for your wedding…

  • Wedding insurance can protect you from vendors not fulfilling contracts, damage/accidents, sickness within the core family, mother nature, military commitments, and more.
  • Most companies will give coverage up to 2 years in advance, but usually no less than a few weeks out.
  • There are two types of coverage for wedding insurance: Financial Liability and Property/Damage Liability
  • Most wedding insurance companies do not include “Change of Heart”, however, WedSure does. Review stipulations for what is covered.
  • Wedding insurance allows covered financial claims to be reimbursed by the insurer, not the vendor. So even if the vendor has a clause about mother nature, sickness, deployment, etc. the vendor does not come out of pocket to refund the client.
  • If clients’ budget increases during planning, it’s important they adjust their coverage amount. Most wedding insurance is minimal (1-5% of total budget) to purchase for a large coverage.