Why Wedding Insurance is a Must-Have for Your Big Day
Okay, we get it—wedding insurance probably isn’t the most exciting thing on your wedding checklist. But hear us out! You’ve spent months (maybe even years) planning this day, investing in every dreamy detail, from the perfect dress to the most stunning venue. So, what happens if something unexpected throws a wrench in your plans? That’s where wedding insurance comes in, giving you peace of mind so you can focus on celebrating love, stress-free.
What is Wedding Insurance?
Think of wedding insurance like a safety net. It’s a policy that protects your investment in case of unexpected events, like vendor no-shows, extreme weather, or even a sudden illness. Just like car or home insurance, it helps cover financial losses if things don’t go as planned. And trust us, after shooting weddings for over a decade, we’ve seen it all!
What Does Wedding Insurance Cover?
Different policies cover different things, but here’s a general idea of what you can expect:
- Venue Issues – If your dream venue unexpectedly closes or has major damage (think fire, flood, or sudden shutdown), wedding insurance can help cover the cost of booking a new location.
- Weather Woes – If a hurricane or blizzard makes it impossible for you or most of your guests to reach your wedding, insurance can help cover the costs of rescheduling.
- Vendor No-Shows – If a vendor (like your caterer, DJ, or officiant) suddenly ghosts you, wedding insurance can help recover lost deposits.
- Illness or Injury – If you or an immediate family member becomes seriously ill or injured before the big day, a policy may help cover postponement costs.
- Lost or Damaged Attire & Gifts – Whether it’s a missing wedding dress or stolen gifts, some policies offer coverage for lost or damaged items.
One thing to note: Most policies don’t cover a change of heart. So, if someone gets cold feet, that’s on them!
Liability Insurance: Why It’s a Big Deal
Many venues require couples to have liability insurance, which protects you if there’s an accident at your wedding. For example, if a guest gets injured on the dance floor (we’ve seen some wild dance moves!) or if property is damaged, liability coverage helps cover those costs. If you’re serving alcohol, this is especially important.
How Much Does Wedding Insurance Cost?
The cost varies based on coverage and provider, but in general:
- Basic policies start around $75 to $550.
- Liability insurance (often required) usually costs around $185.
- Coverage for high-budget weddings or destination weddings may be more.
When Should You Buy Wedding Insurance?
ASAP! The earlier, the better—especially before you start putting down deposits. Some policies even let you add coverage as you book more vendors, so you’re always protected.
Where to Get Wedding Insurance
Here are a few well-known companies that offer wedding insurance:
- eWed Insurance – Offers liability and cancellation coverage starting at $75.
- Travelers – Covers everything from dress damage to venue cancellations.
- WedSafe & Wedsure – Specialize in wedding insurance, with last-minute options available.
- Geico, Progressive, Allstate – Offer affordable wedding policies.
- USAA – Great for military families and even covers destination weddings.
Final Thoughts
Wedding insurance might not be the most glamorous part of planning, but it’s one of the smartest! You wouldn’t buy a car or home without insurance, so why take a risk on one of the most important days of your life? Think of it as peace of mind so you can focus on the moments that truly matter—like your first kiss as newlyweds, your best friend’s heartfelt toast, and dancing the night away with your favorite people.
Love Letters Co. is all about capturing those magical, joy-filled moments, and we want you to enjoy every second of your wedding day without worrying about the “what-ifs.” Take a deep breath, grab your partner, and soak it all in—because with a solid plan (and a great insurance policy), your day will be nothing short of amazing.
Inspired by insights from The Knot.