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Rowling & Associates Blog

Wedding Insurance – Why Should You Have It?

by Jackie West

Have you ever heard the phrase, “Anything that can go wrong will go wrong”? Well, wedding insurance is there to make sure that even if something does go wrong, your investment in your special day is covered.

What is wedding insurance?

Wedding insurance is an insurance policy that will help protect your day from circumstances that are beyond your control and any extra expenses incurred. What would qualify as circumstances beyond your control? Some examples include a vendor not showing up, weather, sickness, or injury. Having wedding insurance protects you from any of these potential financial losses.

Benefits of wedding insurance

No one plans on having anything bad happen on their wedding day, so many people may assume they do not need wedding insurance. If you are unsure if you need this protection, read the following possible scenarios:


• It is the day of the wedding and your hair and makeup artist does not show up. You are left rushing to find another vendor, and the only other option charges twice as much.
• There is a major fire that causes the venue to be unusable on the day of your wedding, causing you to postpone and rebook your wedding.
• An important family member is sick or injured and can no longer attend the wedding, leaving you to postpone until they are healthy enough to attend.
• Your vendors experience major financial hardship, causing them to close their businesses. You have now lost all your previous paid deposit and are forced to rebook additional deposits.


Depending on the type of coverage you purchase, you could be fully reimbursed (less your deductible) for all of these scenarios if you have wedding insurance.

Types of wedding insurance

Most venues require you to get liability coverage for the day of for any damage caused at the ceremony or reception. These policies are sometimes purchased on your behalf by the venue, so it’s important to check your contract. The scenarios listed above would not be covered under just a liability but can be added as a supplemental policy.


The following are some of the additional coverages that can be added to your liability policy or purchased as a stand-alone policy depending on the company:


• Gifts – If your gifts are lost or stolen at the venue, you can make sure that they are either replaced or reimbursed.
• Special Attire – Any attire that is for the bridal party will be replaced, reimbursed, or repaired if damaged, lost, or stolen.
• Loss of Deposits – If a vendor goes out of business and is no longer able to provide the goods and services for your event, then your non-refundable deposits will be reimbursed.
• Cancellation/Postponement – If you need to cancel the wedding due to weather, sickness, or possibly a global pandemic, then you will be covered. It is important to note that if the wedding is canceled due to a change of heart, it will more than likely not be covered.

How much does this cost?

The cost of wedding insurance can range from $125-$600 depending on the type of coverage you pick, limits, and deductibles. The national average cost of a wedding in 2019 was $34,000. Imagine the peace of mind you will have knowing your investment will be covered for a possible $125.

You can’t predict the future.

As we stated earlier, no one plans on having anything bad happen on their wedding day. However, if you have any concerns that something might happen that causes your special day to be ruined, plan ahead! Start researching now to find the best policy for you.