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Let’s be real: no one dreams of talking about insurance while planning their wedding. You’d rather be thinking about flowers, food, or your dance playlist. But here’s the thing: Your wedding is one of the biggest financial and emotional investments you’ll ever make.
Now imagine this: a vendor doesn’t show up, your venue is damaged during setup, or an unprecedented storm forces you to reschedule. Suddenly, that “boring” insurance policy becomes the MVP of your wedding day.
The good news? Wedding insurance is more affordable than most couples think, and it can save you thousands if the unexpected happens.
What Is Wedding Insurance?
Wedding insurance is exactly what it sounds like: a safety net for your big day. There are two main types:
Liability Insurance: This protects you if someone gets injured at your wedding or if there’s damage to the venue (like when Uncle Bob knocks over a champagne tower).
Cancellation or Postponement Insurance: This covers financial loss if your wedding has to be rescheduled or canceled due to circumstances outside your control.
Think of it like this: liability is about protecting others, while cancellation is about protecting your investment.
How Much Does Wedding Insurance Cost?
Here’s the best part: Wedding insurance doesn’t break the bank.
Most couples spend between $75–$550, depending on coverage. Factors like your venue, guest count, alcohol service, and desired protection levels can all impact price.
When you compare that to the average U.S. wedding budget of $30,000, the cost feels like a no-brainer.
What Does Wedding Insurance Actually Cover?
This is where it gets interesting. Wedding insurance can swoop in and save the day when:
Covered:
Damage to the venue property
Injuries to guests
Vendor bankruptcy or no-shows
Severe weather
Illness or military deployment
Not Covered:
Cold feet
Pre-existing issues you knew about before buying the policy
High-value items, like your ring, unless you add extra coverage. (Pro tip: Your ring can be insured under your renter’s or homeowner’s policy!)
Of course, we encourage you to always read the fine print. Not all policies are created equal.
Do You Really Need Wedding Insurance? (Pros & Cons)
Pros:
Peace of mind when investing thousands in your big day
Often required by venues (like BRICK and many others)
Affordable compared to potential losses
Protects you from other people’s mistakes (hello, vendor no-show)
Cons:
Adds one more line item to the budget
Some couples never end up needing it
Exclusions can be frustrating if you don’t read carefully
Takeaway: If your venue requires it—or if your wedding costs over $10,000—insurance is a smart move.
Common Problems Wedding Insurance Solves
Accidents (and unexpected incidents) happen when you least expect it. Here are just a few scenarios where insurance could save the day:
Your caterer goes out of business a month before the wedding. Insurance reimburses you so you can book another.
A surprise storm floods your outdoor venue. Insurance helps cover rescheduling costs.
A guest breaks their ankle on the dance floor. Liability coverage protects you from a costly lawsuit.
A groomsman knocks over a rental arch and damages the venue wall. Covered.
These are not fun scenarios by any means, but they’ll be significantly less stressful to deal with if you have wedding insurance.
Where to Buy Wedding Insurance (and What to Look For)
The good news: there are several reputable providers out there.
The Event Helper – Reliable, straightforward policies.
Wedsure – Flexible coverage options.
Markel – Popular with event venues.
When comparing policies, be sure to look at:
Coverage limits
Exclusions (the “gotchas”)
Price vs. deductible
Customer reviews
FAQs About Wedding Insurance
Do all venues require it? Not all, but many (including BRICK) require liability insurance for everyone’s protection.
When should you buy it? As soon as you book your venue.
Can you upgrade your policy later? Yes, most providers allow this.
Is it worth it for small weddings? Absolutely. Accidents and cancellations can happen no matter the size.
Protecting Your Big Day
Wedding insurance may not be glamorous thing you purchase for your wedding, but it’s one of the smartest, simplest investments you can make. A couple hundred dollars can save you thousands, and give you the peace of mind to actually enjoy your day.
At BRICK, we’ve seen firsthand how wedding insurance can take the stress out of the unexpected. It’s why we encourage every couple to protect their big day. When you book with us, we’ll walk you through the requirements and connect you with trusted providers so you can focus on celebrating.
Ready to start planning? Contact the trusted team at BRICK to get started!
