Wedding Insurance

Wedding Insurance: Do you need it?

wedding insurance

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!


  • Relatively cheap: $125 to $500 for a basic policy
  • Peace of mind.
  • Doesn't usually cover canceling or postponing due to "cold feet"
  • Your vendors may already have their own insurance so you won't need it. Ask them.
How to Choose:

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:

  • Are you having a destination wedding? You might want luggage insurance.
  • Worried your bridal shop or caterer may go out of business? Get a policy that covers lost deposits.
  • Worried about Aunt Fran going wild on the dance floor? Look into liability coverage in case a guest is injured or damages the property.
  • Think you or your fiancee might not fit into the wedding clothes on the big day? Wedding insurance will pay for a last-minute replacement dress or tux.

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!

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