Wedding Insurance: Do You Need It? The Honest Answer.

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.