Weddings are expensive, so it can be disastrous if you have to cancel or reschedule, even because of unforeseen circumstances that are beyond your control. Weddings also present unique liabilities that aren’t covered by most personal insurance policies, such as liquor liability, potential damage to expensive venues, and costly jewelry or attire that could be lost or stolen. So, it’s usually a good idea to buy dedicated wedding insurance to protect you on your wedding day.
Good wedding insurance helps cover your expenses if you have to cancel or postpone. And, if your day goes as planned, policies will also protect against liability if someone gets hurt at your wedding or if vendor property gets damaged or stolen.
The best wedding insurance companies will not only protect you against liability on your big day, but they’ll also help cover your costs if you have to reschedule. These specialists offer large amounts of coverage for relatively small premiums and make it easy for you to quote, buy, and review coverage online, so you can enjoy peace of mind knowing you’re protected when you say “I do.”
The 8 Best Wedding Insurance Companies of 2021
Best Overall : The Event Helper
We chose The Event Helper as the best wedding insurance company for several reasons. First, the company has an A+ rating from the Better Business Bureau (BBB) and no registered complaints from companies. The company also matches the best starting price of any wedding insurance coverage that we could find, starting at a one-time payment of under $65. Lastly, the company also guarantees that its coverage will suit the requirements of your venue; if it doesn’t, they’ll refund your entire policy.
The Event Helper was founded in 2009. And, despite recent disruptions due to COVID-19, Event Helper is still issuing policies.
Wedding insurance from Event Helper provides general liability coverage of $1 million to $2 million per occurrence coverage ($2 million to $4 million aggregate) that protects against property damage to a venue and bodily injury to guests. Policyholders are also protected wherever their event takes place within the United. States.
In addition to liability coverage, Event Helper also provides hired-auto coverage, retail liquor coverage, and also coverage for those who need to cancel or postpone their wedding (for reasons other than a change of heart). And every policy includes free host liquor liability coverage.
With The Event Helper, you can enter a little information about your wedding and get a quote, select coverage, review and purchase a policy all online. Once you’ve bound coverage, you can also email or download certificates of insurance to satisfy vendors.
Runner-Up, Best Overall : Markel
Markel is another provider of wedding insurance that could have ranked best overall. Markel is now offering new policies after a COVID-19 pause. Like with nearly every event insurer, the policies are excluding loss due to communicable diseases including COVID-19. In addition to event cancellation coverage, Markel also offers event liability policies, plus customers can get a wedding insurance quote online.
Wedding insurance from Markel is offered through Markel Corporation, which is a Fortune 500 company founded in 1930. Markel has an A+ rating from BBB and, though the company has several registered complaints, none are related to wedding insurance.
Wedding insurance from Markel includes two key coverages: wedding liability insurance and wedding cancellation insurance.
The liability portion of a Markel policy provides up to $2 million in protection against any damages to a venue or bodily injuries that occur at your wedding. Host liquor liability insurance can also be added available. Coverage can be purchased up to one day before the wedding.
Wedding cancellation policies can be purchased 14 or more days before your big day. Markel’s event cancellation coverage helps reimburse policyholders for non-refundable deposits and other expenses if they have to cancel or postpone their wedding for unforeseen reasons such as vendor bankruptcy, weather, or military deployment. It also helps protect against damage to wedding attire, jewelry, gifts, photographs, and more.
Wedding insurance costs from Markel can vary depending on coverage limits and options. But, like The Event Helper, if your policy from Markel doesn’t meet your venue’s requirements, they’ll refund your entire premium.
Best Price : Eventsured
Eventsured started in 1998 and is a subsidiary of Foresite Sports. The company has an excellent rating on Trustpilot (4.7/5) and great customer reviews online.
Wedding insurance from Eventsured starts at $117 for $1 million of coverage per occurrence, $2 million aggregate. What’s more, wedding policies from Eventsured have no deductible, so you won’t have to come up with any out-of-pocket costs if you’re forced to file a claim.
Coverage from Eventsured can be purchased online in just minutes and provides coverage for general liability, personal injury, liquor liability, as well as damage to a venue or any vendor equipment. Insurance from Eventsured also provides no-fault coverage that pays the cost of medical care for anyone injured at your wedding (there is a $1,000 limit on this coverage that can be increased to $5,000 or $10,000).
While policies purchased through Eventsured are only designed to provide coverage for the day of your wedding, policyholders can also choose to add coverage for a rehearsal dinner, gifts, attire, jewelry, photographs, or videos.
Lastly, Eventsured customers can add coverage for cancellations or postponements or for any lost deposits if a vendor goes out of business or fails to show up.
Best Online Service : WedSure
WedSure is a specialty wedding insurance offered through R.V. Nuccio & Associates, a national broker founded over 25 years ago that’s licensed in all 50 states. Wedding policies issued by WedSure are backed by European giant Allianz, which is one of the world’s largest insurance companies.
Using WedSure, customers can quote, buy, and print proof of a policy online anytime, day or night.
Wedding insurance purchased through WedSure starts at $125 for $1 million of per occurrence coverage, $2 million aggregate, and provides liability coverage for not just the wedding and reception but also the wedding rehearsal and rehearsal dinner. Policies also include free host liquor liability coverage.
In addition to wedding liability insurance, WedSure also offers wedding cancelation/postponement coverage to help reimburse for out-of-pocket costs if you have to cancel or reschedule your wedding for unforeseen reasons.
Best for Destination Weddings : Travelers
If you’re traveling for your wedding, Travelers’ Wedding Protector Plan is another provider to consider. Travelers is the sixth-largest provider of personal insurance in the country and traces its history back to 1853.
Wedding insurance from Travelers covers things like lost rings, ruined photographs, or damage from severe weather. Coverage can also be extended to not just anywhere in the United States and its territories, but also Mexico, Canada, and the United Kingdom. Policies also provide for reimbursements in the event of an unavoidable cancellation or postponement.
In addition to its large national presence, Travelers is also a good option for destination weddings because it offers 24/7/365 claims service, so it doesn’t matter what time zone you’re in if something goes wrong. Plus, there’s no deductible if you end up having to file a claim. Travelers also offers travel insurance for policyholders that want to insure for out-of-pocket costs when they book their trip.
Wedding insurance from Travelers starts at $160 and can cover lost or damaged wedding attire, lost rings, calls to duty, damaged gifts, liquor liability, and additional expenses if one of your vendors cancels and you have to book a last-minute replacement.
Best Underwriting Speed : WedSafe
WedSafe was founded in 1999 by a couple that couldn’t find protection for their own wedding. Today, the company is owned by Aon and all of its policies are underwritten by Nationwide. Nevertheless, WedSafe remains true to its beginnings and offers people shopping for wedding insurance a quick and easy way to bind coverage.
Using WedSafe, you can get coverage quickly online. The company’s website will walk you through a four-step process that collects key information about the bridal party, venue, and other information. You can then get a quote instantly and bind it online if you decide to buy.
WedSafe offers up to $5 million in coverage. The company provides both wedding liability insurance and wedding cancellation insurance.
Best to Bundle with Other Insurance : AllState
AllState is a large national insurance company that actually provides wedding insurance through Markel rather than in-house. However, because most wedding insurance companies are niche providers, this offering makes AllState an option for customers that want to buy coverage for their wedding today together with other types of personal insurance.
Customers who want to purchase wedding insurance from AllState must do so between 14 days and 24 months in advance. Through its relationship with Markel, AllState provides both event liability protection and event cancellation coverage.
Event cancellation coverage reimburses policyholders for lost deposits and other expenses if they’re forced to cancel or postpone their wedding due to unforeseen circumstances. This coverage can also be used to protect wedding gifts, attire (including wedding rings), and damaged pictures or videos. However, like other providers, this coverage doesn’t reimburse for expenses if the bride or groom simply has a change of heart.
AllState’s event liability coverage protects wedding hosts in case someone is injured at the wedding or if there’s any property damage.
Customers interested in purchasing wedding insurance through AllState can get a quote by following the link on Allstate's page to the Markel and Allstate partnership page. Those who need to file a claim against their policy may also be responsible for a deductible. Lastly, coverage doesn’t extend to honeymoons, but AllState does offer separate policies to protect those trips for couples planning to travel after their wedding.
Best for Servicemembers and Veterans : USAA
USAA is a member-owned financial services company headquartered in San Antonio, Texas. The company’s membership is comprised of American servicemembers, reservists, veterans, and their eligible family members.
In addition to its banking, investment, and other insurance services, USAA also offers insurance for its members to cover weddings and other special events. This coverage is underwritten through Markel, although USAA members may be eligible for special benefits, including a 15% discount.
Wedding insurance purchased by USAA members includes standard coverages available from Markel including both wedding liability and cancelation/postponement coverage.
Wedding insurance coverage purchased through USAA helps U.S. servicemembers, veterans, and their families to protect against lost deposits, cancelation fees, injuries, property damage, and other potential liabilities.
Wedding insurance is a standalone insurance policy designed specifically to guard against liability stemming from a special event—in this case, a wedding.
Wedding insurance can sometimes be added to an existing homeowner or renters policy. In other cases, it may be included as part of personal umbrella coverage.
However, vendors will often ask for certificates of insurance as proof of liability coverage, so it’s important for hosts to ensure that they get the proper coverage when booking a venue or other vendors.
Wedding insurance usually protects both hosts and vendors from liability if someone gets injured at the wedding. Policies also protect against theft, vandalism, or other damage done to the venue or vendor property.
Most wedding insurance policies also include liquor liability coverage that protects the hosts and venue if a guest is over-served and gets in an accident after leaving the festivities.
How Does Wedding Insurance Address COVID-19 Issues?
Unfortunately for those with weddings soon approaching, wedding insurance may not be an option. Almost all wedding insurance policies include exclusions for coverage if cancellation or postponements occur as the result of circumstances known to the policyholder at the time they purchased their coverage.
Because of this exclusion, anyone who is purchasing a policy after the spread of COVID-19 became widely known will likely be denied coverage if they have to cancel or reschedule their wedding due to the impacts of coronavirus. Some wedding insurance providers have even stopped issuing new coverage as of this writing.
Nevertheless, wedding insurance remains an important coverage for anyone planning a wedding in the near or distant future. While a wedding insurance policy may not protect you against cancellation or postponement related to COVID-19, it will still protect you from liability arising on your big day.
What Does Wedding Insurance Typically Exclude?
While many wedding insurance policies cover lost wedding rings and wedding attire, policies typically don’t cover engagement rings or any other jewelry. Policies may also provide for reimbursement if a wedding has to be canceled or postponed, but only for reasons other than a change of heart or cold feet.
Wedding insurance policies are also typically written as single-day policies that only cover hosts and venues for the day of the wedding. If a bridal party is also having a rehearsal dinner or bridal shower, those events may not be covered by the same policy.
Wedding insurance also has strict coverage limits for different types of damage. For example, many policies will only cover medical payments for injured guests up to $1,000. This makes it important for hosts and venues to also consider the insurance policies of their vendors—including and especially their venue—to make sure they have sufficient coverage.
What are the Expected Costs of Wedding Insurance?
Wedding insurance policies are typically written as one-day policies and premiums usually start at about $70 to $200. Costs are typically structured as a single premium to provide coverage on the day of the wedding.
In addition to day-of coverage, some wedding insurance providers offer additional coverage for other events like bridal shower or rehearsal dinner, although these options typically add to the cost of a policy.
Making a Wedding Insurance Claim
If you have to cancel or postpone your wedding, or if something happens at the event and you need to contact your insurer, many wedding insurance companies will let policyholders start a claim online.
However, this isn’t always the case. Some providers require that you call and speak to a claims specialist to start the process and provide supporting documents. Understandably, many wedding insurance providers are reporting higher-than-normal call volumes, so you’ll need to be patient as you work through the process.
How We Chose the Wedding Insurance Companies
The wedding industry is a big business and wedding insurance is a fast-growing niche among insurance companies. However, the number of dedicated wedding insurance companies is fairly limited. Even among large national carriers, many have relationships with specialist providers to help support customers looking for this type of insurance.
When compiling our list of the best wedding insurance companies, we looked for those with years of experience providing this particular type of coverage. We also focused on providers that offered both liability and cancellation coverage, had reasonable premiums starting at one-time payments under $150, and made it possible to quote and bind coverage directly online. BBB ratings were included in our considerations but were not heavily rated because of the BBB’s occasional pay-to-play nature.