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Wedding Insurance

With venues, photographers, attire and much more to account for, weddings budgets quickly climb into the tens of thousands of dollars. And don't discount the amount of time you dedicate to planning. Wedding insurance is one of the most affordable - and valuable - investments you can make towards your nuptials. If surprising circumstances jeopardize your ability to host a wedding, insurance can protect you from losing the money you've invested. 

Unforeseen events resulting in the postponement or cancellation of a wedding, and last minute replacement of service providers can leave you with $10,000 or $20,000 in expenses and no wedding memories to show for it. Fortunately, wedding insurance offers coverage for a variety of scenarios that could force you to postpone or cancel your wedding. To help you understand what is and is not covered as well as what wedding insurance typically costs, we've put together this guide.

Wedding insurance gives you peace of mind that, if wedding plans go awry, your wedding investment will be protected. Keep reading to find out why this often minimal expense is one of the most valuable purchases you'll make towards your wedding day.

Why you need wedding insurance:

With so many variables at play including the wedding party, vendors and even the weather, it's important for couples to be prepared for unexpected events that could prevent the wedding from taking place as planned. From major weather events to vendor no-shows, there are many circumstances that could put your wedding day-along with all the money you've invested in it-at risk. 

Wedding insurance provides essential financial protection to both the couple getting married and the vendors taking part. Should some unforeseen circumstances arise that prevent a vendor from attending or lead to the cancellation of your wedding, insurance protects you from losing thousands of dollars. In fact, most wedding venues require couples to have wedding insurance because it provides a vital layer of protection for them as well. 

What does wedding insurance cover?

Wedding insurance offers protection against the financial setbacks that may occur if surprises jeopardize your planned nuptials. Couples looking to protect their investments towards their wedding have two coverage options available to them: liability insurance and event cancellation insurance. Because each type of wedding insurance provides coverage for unique scenarios, couples should consider investing in both policies. 

Liability insurance covers you should an injury arise during the celebration or damage is caused to the wedding venue. If you plan to serve alcohol at your wedding, liquor liability coverage is a must because it provides you with valuable protection in case guests damage the venue or cause accidents after leaving your event.

Cancellation insurance protects you from losing money if you're forced to cancel or postpone the wedding. However, event cancellation insurance does not provide reimbursement for your deposits if you choose not to go through with the wedding. This form of wedding insurance specifically applies to unforeseen circumstances like injuries or extreme weather events - meaning rain is excluded from the coverage as well. In other words, if a hurricane strikes or an injury prevents a key participant in the wedding from attending, your wedding insurance will protect you from losing money. 

Other scenarios often covered by wedding insurance include a variety of vendor-related issues. According to theNew York Times, vendor-related issues are the number one reason couples make claims on their wedding insurance policy. Your wedding insurance will provide coverage if vendors are unable to participate. 

You also have the option to increase your coverage by adding enhancement endorsements. These can either add coverage for specific circumstances not included in your base policy or increase your limits for covered incidents. If you anticipate receiving a large amount of valuable wedding gifts, you might consider increasing your limits to protect yourself should gifts get stolen.

Although coverage varies according to your wedding insurance carrier, here's the bottom line: wedding insurance protects you from financial loss due to circumstances not within your control. 

Does wedding insurance cover illness?

Some incidents of illness or injury will qualify for coverage under a wedding insurance policy. Coverage applies should the couple, their immediate family or an officiant be unable to attend the wedding due to an illness or injury. You also have the option to enhance your wedding insurance policy to include coverage for the honeymoon should an illness or injury force you to cancel that as well. 

However, not all incidents of illness will be covered under your wedding insurance policy. For example, if an illness related to a preexisting condition prevents essential members of the wedding from attending, a cancellation is unlikely to be covered. 

How much does wedding insurance cost?

The cost of wedding insurance can vary widely based on a few factors unique to your wedding day. The number of guests attending your wedding, the risks common in your area and the level of coverage you opt for will impact the overall cost of wedding insurance. 

However, wedding insurance costs very little for the peace of mind it provides. In fact, it's one of the smallest investments you'll make towards your wedding day, and the protection you gain is substantial. 

The final price tag for your wedding insurance will depend on the level of risk you're comfortable with, as you can choose to increase coverage for certain risks. Ultimately, you'll likely spend somewhere between $100 to $1000 to protect your big day from financial setbacks.

How soon should I purchase wedding insurance?

Although some wedding insurance carriers may have limitations on how early you can purchase a policy, it's a good idea to have wedding insurance in place around the same time you begin booking vendors and placing deposits for the big day. 

As soon as you begin spending money on your wedding day, you'll want to have financial protection in place. That way your investments are protected should anything happen between the time you sign the contract with vendors and the day of your wedding.

Get a free quote for wedding insurance right now.

It's fast and easy to get a quote for wedding insurance. Our self-serve portal allows you to get a quote, compare your options and bind coverage in just a few minutes. 

Here's how it works:

1. Start your free quote using our self-serve portal. 

2. Enter in the details about your wedding, like where it's taking place, the date and what kind of coverage you're looking for. 

3. Compare the different options available to you, and select the best coverage for your wedding day

4. Bind coverage immediately.

Get coverage fast, so you have one less thing to worry about on your wedding day

Do you have questions about Wedding Insurance?

Contact an insurance agent at Keller-Brown Insurance Services today to answer any questions about Wedding Insurance or for a free review and insurance quote for Wedding Insurance. And don't forget, as an independent insurance agency, we represent several top rated insurance companies. We have the flexibility to help you find coverage at competitive premiums for business, home, auto, and more.