{"id":52940,"date":"2018-06-13T16:56:25","date_gmt":"2018-06-13T16:56:25","guid":{"rendered":"https:\/\/withjoy.com\/blog\/?p=52940"},"modified":"2025-11-24T05:31:19","modified_gmt":"2025-11-24T13:31:19","slug":"wedding-insurance-what-is-it","status":"publish","type":"post","link":"https:\/\/withjoy.com\/blog\/wedding-insurance-what-is-it\/","title":{"rendered":"Wedding Insurance: What Is It and Do You Need It?"},"content":{"rendered":"

You spend so much time planning your wedding and making sure everything is just right for the big day. It\u2019s only natural to worry about the possibility of something going wrong. You may have heard of wedding insurance, but don\u2019t have a clear idea of what it is or what it can cover. Wedding insurance can definitely help put you at ease, knowing that you’ll be protected in the case of any unfortunate incidents.\u00a0Whether it\u2019s a good idea for you depends on the details of your wedding, however.\u00a0 Here\u2019s what you need to know to make your decision!<\/span><\/p>\n

What is wedding insurance?<\/span><\/h2>\n

In short, wedding insurance is a type of special event insurance. This means it serves primarily to protect those invested in an event, usually the couple and anyone who is helping pay. For weddings, there are different types of coverage you can buy, but in general it can provide you with reassurance in case you experience some common wedding mishaps. It can provide you with liability coverage in the case of property damage or injury<\/a>, for example. It can also cover things like vendor cancellations, extreme weather, and theft. <\/span><\/p>\n

So do you need it? Whether it makes sense for you will depend on several factors. A traditional venue will likely have its own liability coverage. If the venue is covered by homeowners or renters insurance, it may include liability as well. If you\u2019re having your wedding in a non-traditional venue that is not covered by homeowners or renters insurance, however, you will most likely need to get coverage to protect yourself in case something is damaged or someone involved in the wedding gets injured. Making sure you are covered is especially a good idea if alcohol will be served at your reception. If your caterer or venue are serving the alcohol, they likely will have their own coverage, but it doesn\u2019t hurt to double check.<\/span><\/p>\n

You may also elect to purchase coverage in case the venue is unexpectedly unable to host the event. The same goes for vendors\u2014if you are putting down a significant amount on deposits, it makes sense to have coverage in the case of cancellation or postponement to avoid a total loss. If after considering the details of your wedding, you think wedding insurance is right for you, it’s time to look at the types of coverage you can purchase.<\/span><\/p>\n

Types of coverage<\/span><\/h2>\n

The different types of coverage may be offered together or separately. What exactly is covered will vary from company to company, but here is what\u2019s generally included in each type.<\/span><\/p>\n

Liability coverage <\/span><\/h3>\n

The most basic wedding insurance coverage is liability coverage. It covers property damage to the venue and injuries. If your venue doesn\u2019t already have some type of liability coverage, purchasing a plan can potentially save you thousands of dollars in the case of an accident. If you are serving alcohol, be especially sure to look for a plan that includes liquor liability.<\/span><\/p>\n

Cancellation or postponement coverage<\/span><\/h3>\n

Venues and wedding vendors usually require you to put down a deposit for their services. These deposits are often non-refundable, so in the case that your wedding is cancelled or postponed, you may just lose that money. If the cancellation is due to injury<\/a>, illness, military deployment, or extreme weather, however, having wedding insurance with cancellation coverage can be a big help. Cancellation coverage usually includes the following:<\/span><\/p>\n