In Sickness and in Wedding Insurance: Why Couples Are Insuring Their Nuptials

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wedding insuranceLook at any wedding planning checklist for just-engaged couples and you’re bound to see tasks like “get a manicure” and “buy bridal magazines to get inspired.”

What you probably won’t find?

Anything related to what to do if, for example, your chosen locale floods five days before the big day, or your seamstress accidentally massacres your dream wedding dress.

That’s where wedding insurance—which can protect you against a slew of nuptials-sabotaging mishaps like natural disasters, illness and vendor issues—comes in.

But is it something that every couple should consider?

To find out, we asked insurance experts, wedding planners and even real couples who’ve purchased coverage for the 411 on these policies—and if they’re really worth the expense.

The Back Story on Bridal Insurance

Given that the average wedding bill comes out to $30,000, protecting such a costly investment is, understandably, becoming more and more popular these days. According to USA Today, the event-specific insurance company WedSafe alone has seen a 60% bump in wedding insurance policy sales since 2007.

And not only are more couples—as well as their check-writing parents—opting to buy wedding insurance, but venues are increasingly requiring it, says Robert Nuccio, president and founder of Wedsure, which exclusively insures events and weddings.

RELATED: How I Did It: Held a 100-Person Wedding for Under $4,000

  • Thrifty Writer

    A good idea, but sadly, it wouldn’t have helped the couples who were planning on getting married at ReBar in Brooklyn, since the insurance doesn’t cover the venue going bankrupt:
    http://gothamist.com/2014/05/09/dumbo_rebar_closed.php#.

  • rosa

    I work for State Farm insurance and the “special event endorsement” is not free it costs $50 for $1 million dollars of liability coverage and it has a few exclusions so please check with your State Farm agent for details. No insurance company will give you additional coverage for free.

  • Anon101

    I had a family member call off her wedding the night before the wedding. This type of insurance wouldn’t have covered anything. She lost over $50k on a wedding that never took place. I had to call the vendors for her who who were so incredibly rude. They had already received full payment in advance and didn’t have to do anything. They should have been happy to receive compensation for nothing and faked their sympathies.