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Last updated on May 07, 2020

The Best Wedding Insurance

The biggest day of your life comes with a price tag you should only have to pay once ​
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Wedding insurance covers you financially in a wide range of circumstances that can happen leading up to the event and even on the big day itself. 

We evaluated insurers based on the amount of liability coverage available, flexibility surrounding cancellations, and helpful features designed to benefit couples getting married.

The 4 Best Wedding Insurance Companies


Liability LimitsCancellation and postponement limitsLiability deductibleCancellation deductible
Wedsure$1M – $3MVaries by limit selected$0N/A
WedsafeUp to $5MVaries by level$25$25
TravelersN/AN/A$0N/A
Markel SpecialtyUp to $2MVaries by limit selected$0N/A

*Data as of 4/26/2020

Wedsure


Most Customizable
Wedsure
Wedsure


Pros

Flexible policies
Set your own deductible
Wedding photos guaranteed
“Change of heart” coverage

Cons

Expensive for all wedding sizes
No option to remove liquor liability

Wedsure, underwritten by Nationwide, offers a slew of add-ons to fully protect your wedding. Extra policies include DJ, event planner, weather, and photo booth operator insurance. You can also immediately print a certificate of insurance to provide to your venue.

✓ Best For: Customizable Coverage

Not For: One Comprehensive Policy

Wedsafe


Best for Liability Coverage
WedSafe
WedSafe


Pros

Liability coverage options
Purchasable day-of
Bundling discount

Cons

Expensive for larger weddings
Bulky policy

WedSafe’s liability coverage applies to both you and your venue. With a high maximum limit, a wedding of virtually any size can be covered by an adequate liability policy. Cancellation coverage is available separately. All policies must be purchased at least 15 days before the wedding.

✓ Best For: Liability Coverage

Not For: Last-minute Coverage

Travelers


Best for Destination Weddings
Travelers Wedding Protector Plan
Travelers Wedding Protector Plan


Pros

Help anytime, anywhere
Extensive coverage map
Zero deductible
Strong reputation

Cons

Not available to residents of all states

Couples taking their wedding on the road should consider Travelers, which covers destinations outside the U.S. like Canada, Bermuda, the U.K., and cruise ships. You can buy coverage as late as the day before your wedding.

✓ Best For: Destination Weddings

Not For: Liability Included

Markel Specialty


Best Overall Coverage
Markel Event Insurance
Markel Event Insurance


Pros

Generous policy
Easy online quotes and claims
Alternative to cancellation coverage

Cons

No online coverage access

Markel Specialty offers liability and cancellation insurance, although due to recent global events, some options are currently limited. The good news is you can get liability coverage up to $2 million and get your policy as late as the day before your wedding.

✓ Best For: Last-minute Liability

✗ Not For: Cancellation

How to Choose a Wedding Insurance Provider

Type of Insurance

There are two primary types of wedding insurance policies: liability and cancellation. 

Liability

Liability protects you from costs incurred from damages to the event venue. Your policy may also cover personal injury liability, which covers medical costs for anyone who is injured. Find out whether coverage is included just for the day of the wedding, or during setup and rehearsal as well.

Cancellation

Cancellation insurance provides you with reimbursement for expenses paid in the event you have to cancel (or postpone) your wedding for reasons out of your control. Be advised, however — these policies usually only apply to things like natural disasters or a sudden illness or injury.

Estimate Your Wedding Budget

The size of your policy should correspond to the size of your wedding budget. Those with a higher budget are at greater risk of loss and therefore benefit the most from an insurance policy to protect the financial investment. For smaller budgets, minimal insurance will be adequate for peace of mind. 

Compare Companies

It’s easy to compare options from different insurance companies by filling out an online quote comparison tool. Then you can review each provider’s policy details before making a decision on the best wedding insurance coverage for your budget. 

Four Policies to Look For

Events – Covered events refer to all the gatherings that make up a wedding, such as the rehearsal dinner, wedding ceremony, and reception. Find out the extent of what’s included to get an accurate understanding of your policy.

Cancellation – Covered reasons for cancelling often include severe weather conditions, venue damage or bankruptcy, the illness or injury of an essential member of the wedding party, military deployment of the bride or groom, and transportation issues.

Additional – Additional coverage protects against loss and damage for things that aren’t included in the standard wedding insurance policy. Examples include a lost gown or stolen gifts — unless the situation could have been reasonably prevented. 

Personal injury and property damage – This coverage refers to any injuries a guest sustains while attending your wedding and any damage that a guest or vendor does to the venue property. 

What Wedding Insurance Does Not Cover

Wedding insurance generally doesn’t cover anything that could be considered an extreme hazard, such as fireworks or sparklers, and using these products could actually forfeit the terms of your entire policy. 

Substantial changes such as a new wedding date can also nullify your policy if you don’t notify the insurer and update your agreement.

Finally, your policy won’t cover a change of heart. If the bride or groom gets cold feet, expenses won’t be reimbursed.

FAQ

About the Authors

Lauren Ward

Lauren Ward Contributing Writer

Lauren Ward is a personal finance writer who regularly covers consumer insurance products. Her work has appeared in a variety of online publications, including Bankrate and The Simple Dollar. She graduated from Georgetown University with a BA in Japanese.