Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: May 19, 2022

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Wedding InsuranceWedding insurance is available to protect your financial investment in your bridal ceremony and related events and items.

Rather than have a bride in despair over spilled red wine on her wedding dress, or a torrential rain storm on her beach side ceremony, this coverage allows some options and financial recovery for a newlywed couple.

By using your ZIP code and the FREE insurance tool here you can get quotes on rates today!

A wedding insurance policy can be issued to cover many different types of events, the price of each varying from the amount of coverage it provides. The basic insurance policies for weddings will usually cost you around $100 to $500 dollars. There are, however, some policies with very detailed insurance packages and liability coverages.

The Need for Wedding Insurance

Weddings are expensive. Even the most basic of ceremonies involves fees for clothing, food and a person to perform the ceremony.

Reuters reports that the average cost of a wedding in the United States in 2012 was $27,021.

It is for this very reason, however, that some couples deem it wise to add an extra $100-$1000 just to make sure that they are protected against unfortunate occurrences. What are these unfortunate events? You may be having your ceremony out of town and guests will be flying in. En route to the venue, their luggage gets lost. This is one scenario that can be covered by wedding insurance.

Wedding Insurance for Your VenueThe advantages of purchasing an insurance policy to cover your wedding generally outweigh the disadvantages. Although strictly speaking it’s actually money shelled out as protection for events that may or may not happen, and therefore a financial risk on its own, the significance of a wedding event is far too precious to just take a backseat to what could be a monetary gamble.

Of course, you need to take the cost and circumstances of your own wedding into consideration. A private ceremony at town hall with cake at your parent’s house for an intimate group of friends may not be enough reason to pay money for this coverage. However, if you are spending significant funds on a dress, venue and cake it is a wise investment.

You do not have to insure your entire ceremony. There are various types of wedding insurance policies that will give you the option to select which aspects will be covered and which will not. This works best for weddings that are more private, intimate, and considerably small.

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Circumstances That May Be Covered By Wedding Insurance

Here are a few events, factors, and circumstances that a typical wedding insurance policy can cover you against:

  • Weather Conditions: Despite weather forecasts, Mother Nature can still bring on surprises. An insurance policy can protect you against costs caused by rescheduling your ceremony due to weather conditions such as a storm or inclement weather.
  • Absent Personnel: From your ministers to wedding planners to suppliers, a wedding insurance policy can protect you against the absence of these individuals. Whether it’s a church minister or a justice of peace, if your celebrant fails to show up at your wedding, you will be allowed to regain whatever losses you may have suffered. In the same way that there are times some vendors and suppliers, from caterers to singers to photographers, don’t show up for the big event.Since you have already paid for their services, insurance can recoup those losses. If you decide to reschedule your ceremony in order that these people would be present, a wedding insurance can also cover the costs of rescheduling.
  • Injuries: Accidents can happen no matter how prepared or careful your entire wedding entourage is. Add to this risk the possibility of a bridesmaid who has a car accident on the way to the church, or a best man who is suddenly rushed from the synagogue to the ER. These instances can be covered by your insurance policy.
  • Venue Insurance: There are certain wedding locations that have insurance policies of their own. Before booking your ceremony or reception, they can come up with a contract for you regarding liability coverage plans. However, there may be instances when a venue will have no insurance and this is where a wedding insurance policy will come in handy. There can be some venue damage risks such as technical malfunctions, electrical accidents, or even fire that can occur. It would be wise to be protected against these risks.
  • Wedding Insurance for ClothingClothing: One of the most basic coverage options that a wedding insurance policy offers, and perhaps the most common that is availed of by couples, is coverage against loss and/or damage to wedding apparel. From the bridal gowns to tuxedos to shoes and other accessories, the clothing articles especially made for your wedding could be protected by an insurance policy against damages, loss, or even theft.
  • Gifts: Special and valued wedding gifts are still susceptible to losses, damages, or theft. Consider safeguarding these valuable items by writing this option into your wedding insurance coverage.
  • Honeymoon: Some insurance policies can include trip insurance for your honeymoon. You can be protected against trip liabilities, booking cancellations, flight mishaps, cruise ships gone adrift, and more.

According to Wedding Statistics the average wedding dress alone will cost $900- $1,224.

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The Cost of Wedding Insurance

As mentioned earlier, basic policies can be priced from $100 to $500 but these amounts can vary according to what state you are in and where you are planning to get married. New York City boasts the most expensive average wedding cost at almost $70,000 according to ABC news.

Wedding Insurance for Destination WeddingsThere are a multitude of online policy providers that can give you a comprehensive price quote, all you need to do is indicate the specifics of your wedding and choose the level of coverage you want for your policy.

Considerations include the cost and location of your venue, food and dress; the number of guests; if you or your guests are traveling a long distance for the event; if you will serve alcohol; and the cost and number of service providers involved.

For example, in the state of California, a wedding ceremony including the reception and rehearsal can be insured for both liability and cancellation coverage.

If you will be serving liquor during your wedding ceremony, you can apply for a host liability coverage that will protect you from alcohol-related incidents. A sample coverage amount would be $500,000 general aggregate.

Cancellation insurance comes in many levels or packages and the prices vary according to each. The levels are determined by the price allowances.

For instance, a level one wedding insurance cancellation coverage may offer up to $7,500 in reimbursement of covered incidents.

Photographer and videographer coverage, gifts, clothing and other special attire, jewelry, loss of financial deposits, professional counsel and services, as well as other extra expenses will each have a $1,000 coverage limit.

Wedding Insurance for Bride and GroomIn contrast, the highest or topmost level, and most expensive level, of coverage will have an allowance of $175,000, and $10,000 for the optional coverage instead of the $1,000.

For a level one wedding insurance policy you may have to pay between $200-250. For the level ten coverage the wedding insurance cost may soar up to $870-$900.

There’s a lot that can be covered by liability insurance. From ensuring that your gifts are safe to making sure guests are protected in case of brawls, your wedding insurance policy could very well ensure that your dream wedding will not become a nightmare.

Be reminded, however, that although a wedding insurance can cover a wide range of events and circumstances, there are still some instances that cannot be covered. For instance, postponing or downright canceling a wedding due to cold feet or complete change of heart in either party will not be covered. This remains in solely in the hand of the bride and groom.

Take the first step in securing your future by securing the wedding that will help you create it. Type your ZIP code into the FREE quote tool here and get rates on your insurance today!