Weddings are so expensive that 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 big 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 offer large amounts of coverage for relatively small premiums and make it easy for you to quote, buy, and review coverage online. That way 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, which was founded in 2009, 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 as of September 2021. 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 the entire cost of your policy.
Wedding insurance from The Event Helper provides general liability coverage of $1 million to $2 million per occurrence (and $2 million to $4 million aggregate) that protects against property damage to a venue and bodily injury to guests. And you are protected wherever your event takes place within the U.S.
In addition to liability coverage, The Event Helper can also provide hired-auto coverage, retail liquor coverage, and also coverage for those who need to cancel or postpone their wedding (for a reason other than a change of heart). And every policy includes free host liquor liability coverage.
With The Event Helper, you can enter a little info about your wedding online and get a quote, select coverage, review a policy, and purchase it. You can then 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. In addition to event cancellation coverage, Markel also offers event liability policies, plus customers can get a wedding insurance quote online.
Markel is a Fortune 500 company founded in 1930. It has an A+ rating from the BBB, and though the company has several registered complaints, none is related to its 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. 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 your non-refundable deposits and other expenses if you have to cancel or postpone your wedding for 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 as with The Event Helper, if your policy doesn’t meet your venue’s requirements, Markel will refund the entire cost of your premium.
Best Price : Eventsured
Eventsured started in 1998 and is a subsidiary of Foresite Sports. The company has an excellent rating on Trustpilot (4.8/5 stars) as of September 2021 and great customer reviews online.
Wedding insurance from Eventsured starts at $117 for $1 million of coverage per occurrence and $2 million aggregate. What’s more, wedding policies from Eventsured have no deductible, so you won’t have to come up with any money of your own if you have to file a claim.
Insurance from Eventsured can be purchased online in just minutes and provides coverage for general liability, personal injury, and 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 base limit on this coverage that can be increased to $5,000 or $10,000.)
While policies purchased through Eventsured are designed to provide coverage only for the day of your wedding, you 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 specialty wedding insurance offered through R.V. Nuccio & Associates, a national broker founded over 25 years ago that’s licensed in all 50 states. The wedding policies are backed by Allianz, which is one of the world’s largest insurance companies.
Using WedSure, customers can get a quote, buy a policy, and print proof of coverage online anytime, day or night.
Wedding insurance purchased through WedSure starts at $125 for $1 million of per occurrence coverage and $2 million aggregate. It 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 cancellation/postponement coverage to help reimburse your out-of-pocket costs if you have to cancel or postpone your wedding.
Best for Destination Weddings : Travelers
If you’re traveling for your wedding, Travelers’ Wedding Protector Plan is another provider to consider. Travelers was the sixth-largest provider of both property/casualty and homeowners insurance in the U.S. in 2020 and traces its history back to 1853.
Wedding insurance from Travelers covers things like lost rings, ruined photos, or damage from severe weather. Coverage can also be extended to not just anywhere in the U.S. and its territories, but also Mexico, Canada, and the U.K. 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; 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 if you want to insure for out-of-pocket costs when you book your trip.
Wedding insurance from Travelers starts at $160 and can cover lost or damaged wedding attire, calls to duty, damaged gifts, liquor liability, and additional expenses if one of your vendors cancels and you have to book a replacement at the last minute.
Best Underwriting Speed : WedSafe
WedSafe was founded in 1999 by a couple who couldn’t find protection for their own wedding. Today, the company is owned by Aon, and all of its policies are underwritten by Nationwide. But 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 provides wedding liability and cancellation insurance through Markel rather than in-house. Because most wedding insurance companies are niche providers, Allstate is an option if you want to buy coverage for your wedding along with other types of personal insurance.
If you want to purchase wedding insurance from Allstate, you must do so between 14 days and 24 months in advance of the event. You can get a quote by following the link on Allstate's page to the Markel and Allstate partnership page.
Cancellation coverage reimburses you for lost deposits and other expenses. It can also be used to protect wedding gifts, attire (including wedding rings), and damaged pictures or videos. However, as with 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 you in case someone is injured at the wedding or if there’s any property damage.
If you need to file a claim against your policy, you may be responsible for a deductible. Lastly, coverage doesn’t extend to honeymoons, but Allstate does offer a separate policy if you want to protect your trip.
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 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 cancellation/postponement coverage. The coverage protects against lost deposits, cancellation fees, injuries, property damage, and other potential liabilities.
Wedding insurance is a standalone insurance policy designed specifically to guard against liability stemming from your wedding.
Wedding insurance can sometimes be added to an existing homeowner or renter policy. In other cases, it may be included as part of personal umbrella coverage.
Vendors will often ask for certificates of insurance as proof of liability coverage, so it’s important for you to ensure that you get the proper coverage when booking a venue or other vendors and the documentation to back it up.
Wedding insurance usually protects both hosts and vendors from liability if someone gets injured at the wedding. Policies may 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 drinks too much and gets in an accident after leaving the event.
How Does Wedding Insurance Address COVID-19 Issues?
Wedding insurance that covers cancellation due to COVID-19 may not be an option. Almost all policies include exclusions for coverage if the cancellation or postponement occurs as the result of circumstances known to you at the time you purchased your coverage. As a result, 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.
While you may not be able to protect yourself against cancellation or postponement related to COVID-19, you may still be able to protect yourself 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. And as stated earlier, policies don't cover a cancellation due to a change of heart or cold feet.
Wedding insurance is also typically written as a single-day policy that covers you only for the day of the wedding. If you want coverage for a rehearsal dinner or bridal shower, you should know that it will probably cost extra.
Wedding insurance also has strict coverage limits for different types of damage. For example, many policies will cover medical payments for injured guests only up to $1,000. This makes it important for you to consider the insurance policies of your vendors—especially your venue—to make sure they have sufficient coverage.
What Are the Expected Costs of Wedding Insurance?
Costs are typically structured as a single premium to provide coverage on the day of the wedding. Premiums usually start at about $70 to $200, with extra costs tacked on for additional types of coverage.
How Do You Make a 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 companies will let you start a claim online. But this isn’t always the case. Some providers require that you call and speak to a claims specialist to start the process and that you provide supporting documents.
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. And even 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 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 online. BBB ratings were included in our considerations but were not heavily weighted because of concerns about the BBB’s occasional pay-to-play nature.