There are so many different things to think about when it comes to planning a wedding and things typically fall through the cracks. One of the things that some couples don’t think about is wedding insurance. Let’s go over some of the top things to consider if you’re going to be purchasing wedding insurance.


As always, it’s important to think about your own situation and what makes sense for you both as a couple. What works well for one couple won’t make sense for another, so don’t be afraid to ask questions along the way and make sure that you fully understand all of your different options.

Wedding Insurance

Wedding insurance is an important part of protecting yourself financially during your big day. There are so many different things that can happen and it’s impossible to plan for all of them. Instead of planning for them, you can purchase comprehensive insurance that will cover a variety of different scenarios.


Below are some things to consider when you’re shopping around for wedding insurance.

Cancellation Coverage

One of the biggest things that wedding insurance can cover is cancellation. There are so many different things that can happen that result in a wedding being canceled. This type of coverage is especially important if you’re having an outdoor wedding, as weather can make things unpredictable.


Some people don’t realize just how comprehensive wedding insurance is. In most cases, the cancellation coverage will even extend to a canceled honeymoon. Because of this and so many more reasons, it’s important to consider if wedding insurance could be the right choice for you.

Coverage Gaps

It’s extremely important that you understand any coverage gaps that may exist within your policy. For example, if your cake is dropped your policy may not cover this. Understanding your specific policy is essential, so that you can be aware of the situations in which you can appropriately submit a claim.


Understanding a policy’s coverage gaps is important before you enroll in it, so don’t hesitate to reach out to the insurance agency that you’re working with and speak with them about all of your different coverage options.


If you’re putting in a relatively small investment into your wedding (if you’re eloping, for example), then you may not need wedding insurance. However, if you’re putting a large financial investment into your big day, then wedding insurance is most likely the best way to protect yourself.


Every couple will have a different idea about what amount being spent justifies wedding insurance. However, if you’re spending thousands of dollars on your big day, then wedding insurance is most likely going to be the right choice for you.

Special Coverage

When you’re enrolling in a policy you’ll most likely have the option to add special coverage. Special coverage can include your wedding dress or your gifts, so it’s an important thing to consider. While it can be hard to know which coverage options you’ll want on your big day, many people feel that it’s better to be safe than sorry.