Best Wedding Insurance 2017

The best Wedding Insurance services reviewed. Learn how the best wedding insurance companies can protect you on this very special day. 

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Your wedding day is meant to be the best day of your life. Considering that the average couple spent more than $35k on their wedding in 2016, it can be an expensive proposition when anything goes wrong, such as your venue unexpectedly going out of business, a vendor falling through, or a torrential downpour just minutes before your outdoor ceremony. 

For a relatively small fee generally between $155-$550 wedding insurance can be a way to offset some of the possible disasters that might ruin your special day. A basic policy should cover loss of photos, videos, attire, presents, rings and deposits, but it’s worthwhile to find out the exact details of the plan. Most importantly, see how much they reimburse, and whether weather, no-show vendors, sickness or injuries are also part of their coverage. Remember to also verify the type of insurance that your venue and your vendors have, so as to minimize any possible overlap. Another thing to consider is how early you can buy the insurance, as some companies have strict policies.


 

Top 5 Companies

#1
Our Partner
9.5 / 10
  • Policies start as low as $75
  • Liability and cancellation policies can be purchased independently (receive a 15% discount if purchased together)
  • Up to $2,000,000 liability insurance
  • Host liquor liability insurance
  • Liability policy guaranteed to meet your venue's insurance requirements - or your money back
  • Extra expenses coverage
  • Specialty events - weddings, retirement parties, business/organization events, etc.
  • Professional counseling
  • 10 levels of cancellation/ postponement coverage
  • Cruise ships events
  • Flexible coverage options
  • Liability cover
  • Jewelry and special items
  • Postponement
  • Starts at $95
  • No deductible for liability and optional medical payments
  • Up to $2,000,000 liability coverage 
  • Host-liquor liability
  • Change of heart
  • Starts at $160 for level 1 coverage
  • Not available in Alaska, Hawaii and Louisiana
  •  24/7 claim services
  • No deductible
  • $1,000,000 liability with $1,000,000 property damage
  • Host liquor
  • Up to $3,000,000 general liability
  • No destination wedding cover
  • Cancellation cover for events up to $250,000
  • No jewelry, special attire coverage
Don't see the business you are looking for?

Best Wedding Insurance: Summed Up

RankCompany NameStrengths
1MarkelBest Overall
2WedSafeCustomer Service, Reviews
3WedsureCoverage Limits
4Wedding Protector PlanCancellation Insurance

How To Compare Wedding Insurance

Select 2 wedding insurance companies to compare
vs
Liability Insurance - 20%
Cancellation Insurance - 30%
Coverage Limits - 5%
Customer Service - 20%
Cost - 10%
Reviews - 10%

Liability Insurance

Liability insurance is meant to cover any damage to people or property during your event, and is what most people think about when considering wedding insurance. Many venues require that you purchase this, and will also offer host liquor liability as an add-on, to protect from any alcohol-related accidents that might occur. The three main things to verify, therefore, is the coverage on:

- Host Liquor Liability

- Injury

- Property Damage

Remember to verify if the company will cover your rehearsal dinner and ceremony, as well as your reception.

Cancellation Insurance

Cancellation Insurance provides more complete protection from unforeseen circumstances that may lead to a cancellation or postponement. More often than not, this does not cover a "change of heart" or "runaway bride", but will provide help in situations out of your control, such as a critical injury or illness. The essential factors to look at are:

- Change of heart: Though most providers won't offer this, some do, and it's worthwhile to know. 

- Illness/Injury: The provider covers cancellations or postponements due to illness or injury of a major member of the wedding party. 

- Inclement Weather: Providers won't cover full costs for a bit of rain, but they will help pay for tents and gazebos, etc. Only in the case of truly catastrophic weather events, like a typhoon or tsunami, will providers generally accept cancellation and a full refund so you can totally reschedule.

- MIlitary Deployment: If the bride or groom's military leave is unexpectedly withdrawn, the insurance company covers cancellations and postponements. 

- Transportation Issues: If an essential member of the wedding party gets held back due to a flight cancellation or some comparable transportation crisis, the provider covers cancellations and/or postponements. 

- Venue Damage/Bankruptcy: If your venue unexpectedly goes bankrupt or suffers damage, the provider covers the costs of cancellations or postponements.

Coverage Limits

If you choose to pay for both liability and cancellation insurance, you can set the maximum amount your policy will pay out. Liability will typically range from $500K to $2 million, and cancellation from $7,500 to $175,000. 

Additional Coverage Options include:

- Counseling Services: In the event of a wedding cancellation, the provider covers professional counseling services. 

- Event Photos & Videos: The provider covers the professional photos and videos if your provider comes up short or doesn't show up at all. 

- Jewelry: This covers damage or loss of engagement and/or wedding rings. Most providers don't insure this, however, so read the fine print. 

- Special Attire: The provider covers the wedding party's lost or damaged clothing. 

- Vendor No Show/Cancellation: This covers any vendor or service provider's cancellation or no show, from your limo driver to your caterer or your DJ. Bear in mind that caterers and cake makers generally have their own insurance as well, and verify with them first. 

- Wedding Gifts: The provider covers lost, stolen, or damaged wedding gifts.

 

Customer Service

When it comes to customer service, we look at a number of factors including, the contact methods available, the ease of claim submission, support services, areas of coverage, transparency of policies and practices, and when insurance policies can be purchased prior to your big day! As many venues require a certificate of insurance before holding your event, companies who email the certificate to you or directly to your venue provider score better in this area as well.   

Cost

Unlike most insurance, wedding insurance is a one time premium. The cost of wedding insurance varies by state, number of guests attending and time of year. It is also dependent on the policy coverage, cost of your wedding, coverage limits, and company.  Most insurance policies start around $70-90 for the bare minimum, and more extensive plans could cost you a few hundred dollars or more. Additionally, there's generally a $1,000 deductible on liability insurance and $25 per type for cancellation insurance. 

 

Reviews

The last thing we look at is the reviews of the companies from consumers like you. This score is based on ratings from reviews submitted to ConsumersAdvocate.org, the company’s Better Business Bureau rating, other review sites and review articles, to provide the most inclusive and accurate ratings available. 

How you actually choose and purchase the policy is also important. The most important features for this process had to do with accesibility:

- Online Account & Quote: The insurance provider gives you the chance to open an account and get a quote online

- Online Purchase or Phone Purchase

- Informative website: The best sites will have easy to understand FAQs, a blog, and a detailed database of helpful articles. 

- Support: It's just as important to know how the provider offers customer service and support, whether via email, live chat, phone or social media. 

Hopefully, your wedding goes off without a hitch, and you never needed to file a claim with your insurance provider. If, on the other hand, something did go wrong, it was important for us to evaluate how streamlined the process is. Most companies will require a phone call to start the process, but some offer e-mail filing or provide an online form for you to download off their website. It's important to know what to do should unexpected problems arise. 

FAQ

How much wedding insurance should I get?

If you are looking at a liability policy, most options will cover you for at least $500,000, and the highest coverage limit we found was for $5 million. We suggest speaking to your venue to make sure that the insurance you select meets any requirements they have. It may be wise to also consider your venue and the potential damage that could be done, and if you can afford to be held responsible for damages. For instance, having a wedding at the local community center may not be as risky as having your wedding at your friend’s art gallery surrounded by valuable art.

Most cancellation policy limits start around $7,500 and can go up to $5 Million. We suggest calculating the total cost of your wedding and picking a plan that will cover you for at least that, if not more.

How much does wedding insurance cost?

Like other types of insurance, with wedding insurance you pay a premium to be protected, but unlike other insurance, this premium is often a one-time payment. The premium is based on the policy coverage you choose. For instance, a basic liability policy with host liquor liability, usually runs around $100, depending on the size of your wedding and the benefit limits you select. If you add cancellation insurance, your premium could go upwards of $400 for an all-inclusive policy.

Most wedding insurance providers make getting a quote easy, so we suggest shopping around to get the best coverage and price for your special day.

What does cancellation/postponement insurance coverage protect and when would I need it?

Cancellation or postponement insurance will help cover the costs in the event that your wedding is unexpectedly canceled or delayed as a result of situations out of your control, like a hurricane touching down on your beach front wedding site, the father of the bride being rushed to the hospital for emergency surgery to have his appendix removed, or a pilot strike grounding all planes making it impossible for you to get to your wedding.

The more comprehensive cancellation policies will also protect you in the event that there is a vendor no-show by paying for a replacement vendor, and may cover your expenses related to rescheduling your rehearsal and/or honeymoon if you cancel your wedding. Additionally, they may also provide added protection for your attire, jewelry, gifts, photos or videos, and may even cover professional counseling.

In the event that your dry cleaner accidentally burns a hole in your dress the morning of your wedding, your 3 year old ring bearer accidentally throws your rings in the pond while feeding ducks, or a wedding crasher walks off with all your presents while everyone is dancing, your cancellation insurance will be there to help make it better.

Who needs wedding liability insurance?

Liability insurance will cover the cost of property damage or bodily injury that may occur during your event, and is often required by venues, especially if alcohol is being served. Many times host liquor liability coverage is included in your liability insurance policy, but some companies may offer discounted premiums if you do not require this coverage.

Even if your venue doesn’t require liability insurance, it may be worth looking into. In the off chance that Great Aunt Sue’s smooth dance moves causes her shoe to accidentally fly into the crystal chandelier, which then crashes onto the dance floor, insurance will help cover the cost of replacing the chandelier and the medical bills for anyone who may have been hurt during the accident.

Most wedding insurance providers offer liability insurance as a standalone service, which is especially helpful if your vendors offer cancellation or postponement guarantees similar to cancellation insurance. And some insurance providers will offer a discount if liability insurance is purchased with cancellation insurance.

What is wedding insurance?

Wedding insurance often refers to liability insurance and/or cancellation or postponement insurance, which can be purchased separately or together.

"Liability insurance" is often required by venues, and provides coverage for any property damage or bodily injury that may occur during your event. Oftentimes, liability insurance comes with, or gives you the option to add "host liquor liability" coverage, which will cover any damage done if one of your guests gets out of hand after drinking too much. This too may be required by your venue, so we suggest asking your venue about insurance requirements before picking a plan.

Many wedding insurance providers also offer "cancellation or postponement insurance," which will help you cover the cost of rescheduling your wedding should the worst cases scenario occur. No one wants to think that his or her perfect day will be ruined by severe weather, a family medical emergency, or an unexpected venue closure, but this is where cancellation insurance comes in handy. It’s important to note that most policies do not cover a cancellation due to a change of heart, or cold feet.

Additionally, the best cancellation policies also provide added protection for your wedding day, including attire, ring or jewelry, and gift protection. They may also help cover the cost of a replacement vendor for one who no-shows, help you re-stage your event if your photos or videos are damaged, or pay to reschedule your honeymoon or rehearsal, if directly connected with a canceled or postponed wedding.

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