December 4, 2023

The typical wedding ceremony held in 2022, together with bills for each the ceremony and reception, price $30,000, in line with The Knot, underscoring the significance for {couples} to take preemptive measures to make sure every little thing runs easily, since there are potential unexpected points that will come up on the big day. 

One technique to shield wedding ceremony bills is by buying wedding ceremony insurance coverage. Right here’s what it is best to know.

What does wedding ceremony insurance coverage cowl?

Wedding ceremony insurance coverage protects soon-to-be brides and grooms from unexpected circumstances.

“A fundamental wedding ceremony insurance coverage coverage can assist make sure the couple is protected towards points equivalent to no-show distributors and/or photographers, broken or misplaced wedding ceremony apparel, unanticipated wedding ceremony postponements, army deployment and extra,” says Todd Shasha, assistant vice chairman of private insurance coverage at Vacationers Insurance coverage. “As each couple is completely different and requires completely different protection, it’s necessary to work with an insurance coverage consultant to construct the right insurance coverage coverage for them.”

Wedding ceremony insurance coverage protects soon-to-be brides and grooms from unexpected circumstances. (Gary Coronado / Los Angeles Occasions by way of Getty Pictures / Getty Pictures)


In response to Vacationers, the highest wedding ceremony insurance coverage claims from final yr embody: 

Vendor points – 31%

Property harm – 19%

Climate issues – 16%

Sickness/harm – 15%

Misplaced or broken apparel – 9%

Deployment – 4%

Different – 4%

What does wedding ceremony insurance coverage not cowl?

In response to Shasha, Vacationers Insurance coverage’s Wedding ceremony Protector Plan doesn’t present protection if both occasion modifications their thoughts previous to or on the marriage date, and decides to cancel the occasion.

Married couple walks in grassy field

Wedding ceremony insurance coverage protects soon-to-be brides and grooms from unexpected circumstances. (iStock / iStock)

Why is wedding ceremony insurance coverage so necessary? 

It’s not possible for anybody to know precisely what’s going to happen on the day of their wedding ceremony, says Shasha.

“That’s why wedding ceremony insurance coverage is so necessary – it helps {couples} shield themselves from unexpected circumstances and points that will come up on their big day,” he explains. With out such a safety, {couples} might be left accountable if a vendor cancels the day of their wedding ceremony, if particular jewellery is misplaced and rather more, he says.


Total, irrespective of the dimensions of your wedding ceremony, the nuptials usually require a big funding of each money and time.

“A marriage insurance coverage coverage is an inexpensive and proactive approach to supply peace of thoughts main as much as your big day,” Shasha says.

What else is on the minds of engaged {couples}?

Vacationers Insurance coverage surveyed greater than 450 soon-to-be brides and grooms relating to their sentiments heading into their weddings. The outcomes revealed that brides and grooms are most anxious about climate (29%) and household points (29%) ruining their big day.

Bride tries on wedding dress.

A bride is seen getting her wedding ceremony gown fitted for the big day. (iStock / iStock)

Prices are additionally on the thoughts of wedding-planning {couples}.

“By means of our current wedding ceremony shopper survey, we discovered 41% of brides and grooms are slicing prices as a consequence of inflation by decreasing the dimensions of their visitor lists, eliminating an open bar (30%) and slicing again on transportation (31%),” Shasha says. “Nevertheless, this closely is determined by what’s necessary and what isn’t to every particular couple.”


What’s well worth the splurge for {couples}?

In response to Vacationers’ survey, says Shasha, most are keen to spend the additional cash on their honeymoon (59%), nice meals (44%) and an open bar (33%).