Why Wedding Insurance Should Be on Your Non-Negotiable List

Let’s talk about the one thing couples often forget — wedding insurance. Not exactly the most romantic part of planning your big day, but trust me, it matters.

Ashlee Brooke Photography

You’ve got a venue booked, vendors confirmed, flights arranged, and thousands of dollars invested. Now imagine a weather event, a venue issue, a vendor no-show, or a medical emergency throwing everything off. It happens more than you’d think, and when it does, wedding insurance is what protects you from turning an already stressful situation into a financial disaster.

There are usually two kinds of coverage to consider:

1. Liability Insurance — Some venues require this. It protects you in case someone gets hurt or property gets damaged during your event. Think someone slips on the dance floor or a guest accidentally breaks a rented lounge setup.

2. Cancellation or Postponement Coverage — This is the one that helps reimburse you if your wedding has to be canceled or postponed due to something outside of your control. Illness, severe weather, military deployment, or a vendor who bails at the last minute and causes you to lose money? This is the safety net.

You may never need it. But you will sleep better knowing it’s there. And when you’ve poured your time, energy, and money into creating this one unforgettable day, why wouldn’t you give yourself the backup plan?

Pro tip — book it as early as you can. Some policies require you to purchase it at least 30 days in advance. You don’t want to be scrambling last minute.

It’s not about being afraid. It’s about being smart. Planning your wedding should be exciting and joyful, not filled with worry about the what-ifs. So go ahead and protect your investment. Wedding insurance is one of the easiest ways to do that.