Wedding insurance costs $150-$600 and is worth it for weddings over $10,000.
It covers vendor no-shows, weather cancellations, and liability.
Read the policy carefully — most don't cover cold feet.
The Insurance Math
Wedding insurance costs $150-$600 for a policy covering $10,000-$50,000 in wedding costs. That's 1-2% of your total wedding budget for protection against significant financial loss.
Is it worth it? For weddings over $10,000: yes. For micro-weddings under $5,000: probably not.
What It Actually Covers
Vendor cancellation: If your photographer cancels the week before, insurance covers the cost of finding a replacement or refunds your deposit
Weather: If a hurricane forces you to postpone, insurance covers rescheduling costs
Venue closure: If your venue goes out of business before your wedding, insurance covers the loss
Liability: If a guest is injured at your wedding, liability coverage protects you
What It Doesn't Cover
Change of heart (either party deciding not to marry)
Pre-existing conditions that were known when you bought the policy
Vendor disputes (if you're unhappy with the photos, that's not a covered loss)
Where to Buy
WedSafe, Markel, and Travelers all offer wedding insurance. Compare policies carefully — coverage limits and exclusions vary significantly. Buy the policy at least 6 months before the wedding.
The Oracle Lover is a no-BS oracle reader with a science degree who believes beautiful weddings don't require beautiful debt. She brings a practical, grounded perspective to wedding finance — specific, occasionally withering about the industrial wedding complex, and always focused on what actually matters.
