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Wedding Insurance – What Is It and Is It a Necessity?

Wedding set up on the beach


You purchase insurance to protect your car, your home and perhaps other large investments like boats or RVs too. However, if you are planning a large wedding, you could be spending as much as it would cost to purchase a new vehicle—or more. Because of this, there has been an explosion in “wedding insurance” being

What is Wedding Insurance?

Offered for just such occasions. What exactly is this Wedding Insurance, and is it something you need? Read along to find out if it could be the right choice for your needs.

Wedding insurance protects the bride and groom from costs related to hosting a wedding that are beyond their control. Some examples would be if the wedding venue you chose double-booked and you had to choose another at the last minute (for an extra cost), or if your cake or flowers were ruined by a freak accident on the site of the wedding causing you to need to replace them at the last minute. Different policies have different coverages, but the basic idea is always the same.

How Much Does Wedding Insurance Cost?

Since each policy is different, and since coverage may cost more due to the cost of living in one area versus another, it is impossible to predict the costs precisely. However, according to, between $155 and $550 is a good rule of thumb for what you may expect to pay. When comparing costs, make sure you are comparing apples to apples and that the coverage provided is the same from one policy to another.

At the end of the day, the decision whether or not you need wedding insurance is a personal one. For many, it can bring peace of mind and help you enjoy the process of planning for your big day without worry that something will go wrong causing financial hardship.