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What's Wedding Insurance?

Do You Need Wedding Insurance?

Sometimes extra insurance is just a scam to get you to pay more money, but sometimes it can be a helpful tool in easing your mind about the possibility of disaster. Like opting for insurance on your rental car for a few extra bucks a day that could save you thousands, wedding insurance is a policy that covers your wedding financially should something go downhill.

It usually costs between $125 and $500 to protect yourselves against losing a whole lot more. Not all wedding insurance policies cover the same things, so be sure to read the fine print of all the policies you're considering. Wedding insurance should cover the things you don't have control over and could make the little bridezilla in you rear her furious head. Find out what those things are when you


Your policy should cover anything that might cause you to reschedule your wedding: Postponing your wedding because of torrential rains on the day of your outside wedding; any expenses for postponement if someone important to your wedding becomes sick or injured; costs for no-show vendors or postponing because of a MIA vendor; if your venue goes out of business; and if your officiant doesn't make it to the alter.

There are other riders you can purchase in addition to the basic coverage. These can include liability insurance if you're having your wedding at home, damage to your gown and his tuxedo, and if one of you is in the military and called to duty a rider will protect against financial losses of postponing the wedding.

To see all of our wedding coverage check out IDoSugar.


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kscincotta kscincotta 8 years
Since my wedding was held outdoors at a winery, we opted for the "insurance" that made the most sense: we spent $50 to reserve an old church up the road that had been converted into a historical society. That way, we had a rain location for super cheap, thus ensuring that we had the most perfect weather you can imagine.
JaimeLeah526 JaimeLeah526 8 years
Don't spend more on insurance than you would spend on replacing the items that are covered by your plan. I didn't spend enough money on my wedding that insurance would be necessary.
melizzle melizzle 8 years
Wedding insurance is actually a great idea. It's not to protect against "cold feet" like so many people think; the policies never cover that. If your reception site is damaged by weather or a family member becomes ill just before the wedding, you are covered. Unexpected things do happen and that's the reason why the insurance industry exists- to minimize the risk we expose ourselves to. It's no different than insuring your home from flood damage or your engagement ring should a stone fall out. PS. Is it obvious I work in the insurance industry? :)
jennifer76 jennifer76 8 years
How often do any of those things really happen?
Berlin Berlin 8 years
is it me or does that just sound stupid?
emalove emalove 8 years
Definitely didn't do this for my own wedding...I don't really think it's necessary. But for overly-paranoid brides, I suppose it might be worthwhile!
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