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Wedding Insurance How to make your big day the best day of your life

For many couples, the cost of a wedding ranks right up there with other major investments like a car purchase or a down payment on a home.

  • Published:
Couple getting married play

Couple getting married


A lot of time and effort goes into planning a wedding, and you try as much as possible to make sure that everything about that day is perfect.

However, it also makes sense to do a little planning for potential setbacks as you continue to invest precious time and money into your big day.

Not only do you have a lot of emotions riding on your wedding, but likely a lot of money, too.

For many couples, the cost of a wedding ranks right up there with other major investments like a car purchase or a down payment on a home. The level of investment alone makes planning for the worst a necessary part of preparing for your nuptials.

Purchasing wedding insurance can give you financial protection and peace of mind as you plan your wedding.

With wedding insurance policies, you can obtain coverage for up to the full cost of your wedding if your event is forced to be cancelled or postponed due to unforeseen circumstances such as an extreme weather event or an issue with the venue.

Wedding insurance can also cover items such as the cost of restaging the photos if your photographer doesn't show up, or reimburse expenses to repair or replace your wedding dress or other special attire that could get stained or damaged.

You can also purchase liability insurance to protect yourself from claims of legal liability for injuries, alcohol-related incidents or property damage.

In addition to buying insurance, here are a few more suggestions for covering all your bases as you plan your big day:

  • Read and understand all contracts, including any insurance policies. If you aren't positive that you understand an agreement, it makes sense to get some help wading through the legal wording, especially any obligations on your part, how fees, deposits or penalties are addressed, and your rights if a vendor does not perform its contracted responsibilities.

  • Consider working with a professional, accredited wedding planner. Often the cost of hiring a planner can pay for itself. If you choose not to hire out a pro, try to learn as much as possible about the best practices that event planners use in their daily course of business.

  • Research your venue and vendors. Select established vendors that have good reputations. Browsing wedding-focused guides is a good place to start. Visit the Facebook and Twitter page of your vendors and see what they say outside of the sales process.

  • Ask for advice from other couples. In addition to talking with couples close to you, browse forums on sites like the TheKnot, Project Wedding and many others that are readily available.

For the vast majority of couples, their wedding day goes according to plan and their dreams become reality. Thinking ahead can ensure that your day will be as perfect as you have always imagined, and you will be protected even if an unforeseen glitch does find a way into your special day.

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