Ask a Professional Bridesmaid: Do You Need Wedding Insurance?

Planning Tips

Jen Glantz is a "Professional Bridesmaid" and the founder of Bridesmaid for Hire. She's the author of All My Friends Are Engaged and frequently wears old bridesmaid dresses to the grocery store and on first dates. For her column, Jen answers a bride's burning question: Do I need wedding insurance?

Dear Jen,
I'm planning out the budget for my wedding and I'm starting to wonder if taking out wedding insurance is something I should do? I'm not talking about insurance in case I call the whole thing off — I'm not planning on doing that. I'm talking about insurance in case the venue closes down or insurance on behalf of the vendors. I'm unsure how this whole thing works. So, can you help?
Wedding Insurance, Yes or No?

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Dear Wedding Insurance,
I have found that if you don't plan out a budget ahead of time, your spending will quickly get out of control. It's kind of like when you go grocery shopping without a list and end up spending $100 more than you expected on items that will probably sit in your pantry or in the back of your fridge until their expiration date has them crawling to your trash can. If you don't set a firm and assertive budget, you'll start saying "yes" to everything — which may be the case with something like wedding insurance.

Sure, wedding insurance could be beneficial and something you need for your big day, but only if you need it.

Before you say "yes" to insurance, speak with your venue to see what kind of insurance they have and what it does and does not cover. Also ask your vendors to provide you with their insurance documents and review all of your contracts.

After that, you can make a decision on whether or not to factor in wedding insurance to your budget.

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