Wedding insurance policies put protections in place that can reimburse couples should weather or other issues interfere with their wedding day bliss.

(METROCREATIVE) Couples spend thousands of dollars on their wedding ceremony and celebrations. The cost of a wedding varies depending on geographic location, but according to the business and financial resource Business Insider and The Knot 2017 Real Weddings Study, the average wedding in the United States costs $31,391.

Insurance policies can help couples protect their wedding investment. Special event insurance provides coverage for various scenarios, including extreme weather, damaged gifts, lost jewelry, vendor cancellations or no-shows, venues closing before the wedding, and canceled weddings, according to Travelers Insurance. Insurance also may cover other unforseen scenarios, such as unexpected expenses from injuries during the wedding or spoiled food.

Policies will pay directly for any damage or injuries that occur, or reimburse the couple if the wedding is postponed or canceled. If weddings occur at home, some people’s home insurance or umbrella policies may cover certain wedding liabilities. Most wedding venues carry their own liability insurance, so couples may not have to overlap there. However, for those who desire extra protection for vendor mishaps, it is wise to speak with an insurance professional about special wedding coverage.

Prices for wedding insurance policies can start at around $100 to $200 for minimum coverage and reach $1,000 for more expensive ceremonies, according to the financial advisement website NerdWallet.

Speak with an insurance agent and read policies carefully before purchasing one. Non-covered issues typically include theft or loss of an engagement ring; rainy days that do not classify as extreme weather; switching vendors after a deposit is made; and risky entertainment, such as fireworks or live animals.

Protecting wedding expenditures with insurance policies can provide couples with added peace of mind on their big days.

Chris Brady is managing editor at The Standard-Journal and can be reached at

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