Wedding Insurance

Geo depth: Class C

Wedding insurance covers financial losses from event cancellation or postponement, vendor no-shows, or liability for injuries or property damage at the venue. Policies are typically purchased for a single event and can be tailored to the size and cost of the wedding.

Compare Wedding Insurance rates

What is wedding insurance?

Wedding policies typically offer two main components: cancellation/postponement coverage, reimbursing non-refundable deposits if the wedding is cancelled or postponed for a covered reason (such as a venue closure or a key participant's illness), and liability coverage for injuries or property damage at the event, often required by the venue.

Coverage for a "covered reason" is specifically defined in the policy — simply changing your mind generally isn't one — and vendor-specific coverage (like a photographer or caterer going out of business) is sometimes a separate add-on rather than automatically included.

What affects your wedding insurance cost

Typical costs vary significantly by state, provider, and personal factors — {{VERIFY: national average wedding insurance premium not yet sourced}}. Rather than a single number, the factors below are what actually move your quote up or down.

Total wedding budget/costs being insured
Venue and location (some venues require specific liability minimums)
Whether liquor liability coverage is added
Guest count
Timing (how far in advance you purchase relative to the event date)
Specific add-ons selected (vendor no-show, weather, military deployment, etc.)

How to compare wedding insurance providers

Price is only one part of the decision. Before choosing a provider, compare each of the following side by side:

Coverage limits, and exactly what's included or excluded
Deductible options and how a higher or lower deductible changes the premium
Financial strength ratings from an independent rating agency (e.g., AM Best, S&P, Moody's) — an indicator of an insurer's ability to pay future claims
Customer service and claims-handling reputation, including complaint-ratio data where a state Department of Insurance publishes it
Available discounts and bundling options
Confirmation that the carrier is licensed to write this coverage in your state

Explore wedding insurance by state

Coverage requirements and licensed carriers for wedding insurance vary by state. Here are a few popular starting points, or browse the full state directory below.

Wedding Insurance FAQ

Does wedding insurance cover a change of heart?

No — cancellation coverage is limited to the specific covered reasons listed in the policy (such as extreme weather, venue bankruptcy, or a serious illness), not simply deciding not to go through with the wedding.

Do venues require wedding liability insurance?

Many venues require proof of event liability insurance, sometimes naming the venue as an additional insured, before they'll finalize a booking — check your specific venue contract for this requirement.

Does wedding insurance cover a vendor who doesn't show up?

Some policies include or offer optional vendor no-show/failure-to-perform coverage, reimbursing deposits paid to a vendor that fails to deliver, but this isn't automatically included on every policy — confirm it's part of your specific coverage.

Ready to see wedding insurance options?

Compare providers side by side using the factors above, then see options tailored to your state and situation.