Is Wedding Insurance Worth It? Here’s What to Know Before You Say “I Do”
You’ve booked the venue, paid the deposits, and dreamed about every detail — but what happens if the unexpected threatens your big day? Many couples don’t realize a single event could wipe out thousands in nonrefundable costs. That’s where wedding insurance comes in. But is it worth it? Let’s break down how it works and when it makes sense.
What Is Wedding Insurance?
Wedding insurance is a special event policy designed to protect your financial investment in your wedding day. Depending on the policy, it can cover:
Lost deposits if a vendor goes out of business
Sudden venue closures
Weather-related cancellations
Illness or injury that forces postponement
Damaged or lost wedding attire, rings, or gifts
Liability if a guest is injured or property is damaged
It helps cover costs that standard homeowners insurance usually doesn’t.
Why Regular Insurance Doesn’t Cover It
A homeowners or renters policy might cover lost or stolen wedding gifts after the event if they’re at your house — but they typically don’t cover:
Vendor no-shows
Venue problems
Sudden weather cancellations
Guest injuries or property damage during the wedding
Without wedding insurance, you could be stuck paying out of pocket for costs you can’t recover.
What Does Wedding Insurance Cover?
There are two main types of wedding insurance:
1. Wedding Cancellation or Postponement Insurance
Covers nonrefundable deposits and expenses if you have to cancel or reschedule due to reasons beyond your control, such as:
Severe weather (like a snowstorm or hurricane)
Illness or injury of the couple or a key family member
Vendor bankruptcy or sudden closure
Military deployment
2. Wedding Liability Insurance
Provides coverage if someone is injured or property is damaged at your wedding. Many venues now require couples to show proof of liability coverage — especially if alcohol is served.
Some policies also include coverage for:
Lost or damaged wedding attire
Lost rings
Stolen gifts
Photography or videography problems (e.g., lost files)
What’s Not Covered?
Wedding insurance isn’t a blanket solution. It usually won’t cover:
A change of heart or cold feet
Normal bad weather (like a rainy day that doesn’t stop the wedding)
Cancelling due to pre-existing issues you knew about when buying the policy
Honeymoon cancellations (these often need separate travel insurance)
Is Wedding Insurance Worth It?
Think about how much you’re spending and what’s at risk. The average U.S. wedding costs more than $25,000 — and much of that is paid upfront through nonrefundable deposits.
Wedding insurance costs a fraction of that amount — typically $150–$600, depending on coverage limits and options. That’s a small price for peace of mind if:
You’re getting married during storm season
You’re booking a venue with strict contracts
You’re hiring multiple vendors and contractors
You have a large guest list and want liability protection
Do Venues Require It?
Many wedding venues — especially historic sites or banquet halls — now require couples to carry event liability insurance with liquor liability included. Some even ask to be added as an additional insured on your policy. This protects them if something happens on their property during your event.
How Do You Buy Wedding Insurance?
At Hixson & Malinowski Insurance, we can help you:
Decide how much coverage you need based on your wedding plans
Compare different carriers and coverage options
Add extra protections for liability, liquor liability, and cancellation
Get the right paperwork if your venue asks for proof of coverage
Policies can often be purchased up to 24 hours before the event — but earlier is better to ensure full protection for all deposits paid.
How Hixson & Malinowski Insurance Can Help
Your wedding is one of the biggest investments you’ll ever make — emotionally and financially. We’re here to help you protect it. As an independent agency, we can:
Explain what’s covered and what’s not
Help you meet venue requirements
Customize a plan that fits your budget
Be here for you if you need to file a claim
We’ll handle the insurance so you can focus on celebrating your big day.
No couple wants to imagine their wedding plans going wrong — but unexpected problems happen. From vendor issues to weather surprises, wedding insurance can help you avoid major financial losses. Contact Hixson & Malinowski Insurance to talk about whether wedding insurance is worth adding to your plans. We’ll make sure you walk down the aisle with peace of mind.
