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Let's face it: As much as you want everything in your wedding to go as smoothly as possible, life happens. You probably don't want to think about it, but natural disasters, emergencies, and accidents can occur on the day that's supposed to be the one of your dreams. For that reason, we suggest you get wedding insurance. Sure, it's an added cost, but what it covers makes it completely worth it.
For example, let's say you were planning your wedding for a day in September, and suddenly the hurricane of the decade heads your way and your wedding has to get postponed. This is obviously a very terrible scenario, but it can happen. If you don't have wedding insurance, all of that time and money you put into your big day will go to waste. But if you opt to spend a little extra and get insured, this would be covered, and you'll be able to marry the love of your life on another less stormy day.
Another good reason to get insurance is if something happens to your venue. Whether it went bankrupt and suddenly shuts down or there was a fire, insurance will cover the costs of rebooking somewhere else. It can also cover things like retaking ruined photos, replacing lost or damaged wedding attire and gifts, and taking care of something that's the public's liability.
So yes, it does cost extra money, but if something actually happens on that date you picked, with wedding insurance you're literally and figuratively covered.