{"id":74371,"date":"2020-11-12T10:55:00","date_gmt":"2020-11-12T18:55:00","guid":{"rendered":"https:\/\/withjoy.com\/blog\/?p=74371"},"modified":"2025-07-08T07:46:38","modified_gmt":"2025-07-08T14:46:38","slug":"wedding-insurance-what-couples-need-to-know","status":"publish","type":"post","link":"https:\/\/withjoy.com\/blog\/wedding-insurance-what-couples-need-to-know\/","title":{"rendered":"Wedding Insurance: What Couples Need to Know"},"content":{"rendered":"\n

When Hurricane Irene hit the East Coast in August 2011, Jason and Julia Hill had to postpone their wedding<\/a> that was supposed to take place on the beach in Avalon, N.J. \u201cWe had to rebook everything,\u201d says Jason Hill, a financial advisor and president of Client Focused Advisors<\/a>. \u201cFrom the honeymoon to the flowers that came in to the beach house rental, we lost our money.\u201d<\/p>\n\n\n\n

Hill estimates that he and his wife lost more than $7,000 on nonrefundable deposits and other costs. In hindsight, he says having wedding insurance might have helped him recoup those lost costs.<\/p>\n\n\n\n

Wedding insurance \u2014 or special event insurance \u2014 is marketed as a way for couples to protect their big day from financial losses if an unforeseen event forces them to postpone or cancel it. For example, extreme weather such as the hurricane that forced the Hills to postpone their wedding typically is covered. Wedding insurance also can provide protection if you\u2019re on the hook for property damage or an injury during your event.<\/p>\n\n\n\n

So the question is whether wedding insurance is worth the money.  It can provide peace of mind, especially if you\u2019re shelling out big bucks for a ceremony and reception. But you need to read the fine print of a policy to make sure you\u2019ll actually be covered. <\/p>\n\n\n\n

With that in mind, here\u2019s a rundown of the policies from the top providers. The pros and cons of each policy are listed. Plus, to help you decide whether you need coverage and which policy might be best for you, you\u2019ll find answers to common wedding insurance questions.<\/p>\n\n\n\n

Wedding Insurance Providers<\/h2>\n\n\n\n
<\/td>Pros<\/strong><\/td>Cons<\/strong><\/td><\/tr>
eWed<\/a><\/strong><\/td>
  • Liability coverage can be purchased up to one day prior to an event<\/li>
  • Website is easy to navigate<\/li>
  • Policy details are straightforward<\/li><\/ul><\/td>

Markel<\/a><\/strong><\/td>
  • Liability coverage can be purchased up to one day prior to an event<\/li>
  • Website is easy to navigate<\/li>
  • Policy details are straightforward<\/li><\/ul><\/td>
  • Coverage excludes communicable disease\/COVID-19 related losses<\/li>
  • $1,000 deductible for property damage claims<\/li><\/ul><\/td><\/tr>
Travelers<\/a><\/strong><\/td>
  • High cancellation coverage limit<\/li>
  • No deductibles<\/li>
  • 24\/7 claims service<\/li><\/ul><\/td>
  • Not available to residents in Alaska, Hawaii and Louisiana<\/li>
  • Liquor liability must be purchased separately<\/li>
  • More expensive than other policies<\/li>
  • No refunds<\/li><\/ul><\/td><\/tr>
WedSure<\/a><\/strong><\/td>
  • User-friendly website with fast quotes<\/li>
  • Customizable insurance options, including coverage limits and deductible amounts<\/li>
  • Policy covers wedding rehearsal, rehearsal dinner, ceremony and reception<\/li>
  • Coverage available for change of heart<\/li><\/ul><\/td>
  • Cancellation coverage is bare bones \u2013 must pay more to get coverage for wedding attire, jewelry, gift loss, etc.<\/li>
  • Medical payments not included as part of liability coverage, must pay extra<\/li>
  • Have to figure out coverage and deductible amounts on your own<\/li>
  • Loss or claim related to coronavirus is not covered<\/li><\/ul><\/td><\/tr>
WedSafe<\/a><\/strong><\/td>
  • Coverage can be purchased on the day of a wedding<\/li>
  • Coverage covers rehearsal, wedding and reception and 24 hours prior and after events<\/li><\/ul><\/td>
  • Cancellation coverage isn\u2019t being offered during the pandemic<\/li>
  • $1,000 deductible for property damage claims<\/li>
  • Must apply for a quote to see prices online<\/li>
  • Website can be difficult to navigate<\/li>
  • Additional $15 Risk Purchasing Group fee<\/li><\/ul><\/td><\/tr>
Event Helper<\/a><\/strong><\/td>
  • Lower cost liability policies for small weddings<\/li>
  • Easy to get rate quotes online<\/li>
  • Money-back guarantee if an Event Helper policy doesn\u2019t meet a venue\u2019s requirement<\/li><\/ul><\/td>