Wedding Insurance: Do you need it?
What if your caterer backs out? What if your photographer is a no-show? A good policy can help you rest easier at night by providing a back-up plan for these things and more. It may not be able to stop the rain from falling but you can at least be reimbursed for what's called "non-recoverable" expenses (money you've already paid to a vendor).
So if your beach ceremony is ruined by a tidal wave and you've already paid for seating, flowers, and music, you'll get that money back. Rescheduling your ceremony is still up to you of course!
It really depends on your wedding. Think about what aspects of your wedding are riskiest and if insurance would be right for you. Some questions to ask yourself:
Really it comes down to a personal choice. I got through my wedding without insurance or any major catastrophes. But if I'd spent a few hundred bucks on insurance beforehand, I'd probably have gotten more sleep before the big day!