Wedding Insurance 101, what does it cost?

Though you might not want to think about it, disasters can strike your wedding plans. From a sudden cancellation to stolen gifts to a damaged gown, wedding insurance can help protect against the unforeseen and give you peace of mind on your day.

Wedding insurance protects a couple’s investment from circumstances beyond their control, and reimburses expenses incurred. For example, what if the groom’s tuxedo is lost in the airport baggage and he has to buy a new one? What if your reception space goes out of business a month before the wedding and you lose your deposit? These are the types of big-day financial losses that wedding insurance can help protect.

What Does it Cover?

• Site: Check to see if your ceremony and reception site is already insured. If it’s not, wedding insurance can cover the unavoidable cancellation.


• Weather: Any weather conditions which prevent the bride, groom or relatives whose presence at the wedding is essential, or the majority of the guests from reaching the wedding. Insurance covers rescheduling the wedding and all the details involved (ceremony, flowers, food...).


• Sickness or Injury: Wedding insurance may also include sickness or injury to the bride, groom or anyone essential to the wedding.


• Military or Job: Can cover postponement of the wedding due to getting called to military duty, or if your company suddenly relocates to another city.