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Wedding insurance is a type of special event insurance that can cover you for unexpected financial losses resulting from various circumstances, including unexpected illness, cancellation, and the theft of wedding gifts. But all wedding insurance is not the same. Depending on the type of nuptials you will have, the number of guests, and what your needs are, one wedding insurance product may be better for you than another.
We reviewed a roundup of the top wedding insurance companies with pros, cons, and some of the perks and benefits to help you decide on the best coverage.
Best Overall : Travelers Wedding Insurance
Venues can be insured at no additional cost
Purchase two years to 25 hours before the event in most states
Great for destination weddings
24/7 claims service
Not available in Alaska, Hawaii, and Louisiana
DJs, bands, and caterers cannot be added to the policy
Travelers has been selling insurance since 1864. They offer a wedding insurance product that can cover you for destination weddings or at home.
Travelers can insure weddings in the U.S., its territories and possessions. Locations include Puerto Rico, Canada, United Kingdom, Bermuda, The Bahamas, Turks & Caicos, The Caribbean Islands (excluding Cuba & Haiti), and cruise ships leaving from a port in any of these locations.
They also offer insurance for homes, cars, and more, making it easy to insure your wedding ring or other valuable articles after the big day, too. Travelers is our top pick for Best Overall due to the convenience of buying a policy, no deductible, good coverages, and their ability to cover weddings in many destinations.
Best for Basic : Markel Specialty
Offers a 15% discount for bundling liability and cancellation insurance
No additional cost to add additional insureds like the venue
Liability ranges from about $1,000,000 to $2,000,000
Offers around a $50 rider to protect up to $5,000 of cancellation coverage
Features approximately a $25 deductible on cancellation policy items
Purchase liability up to one day before the event
Possible exclusion for communicable diseases
About a $1,000 deductible on property liability
Around a $300 limit on cash and checks
Founded in 1930, Markel is a specialty insurer in a niche market. They offer wedding and event insurance, as well as other property and casualty insurance for classic cars, yachts, and property insurance.
Markel offers all the types of coverage you may need to insure your wedding, and low-cost options to add extra coverage. For example, a $5,000 cancellation insurance add-on costs around $50.
An online quote gives you the opportunity to select from various pre-set customization options, so you do not have to figure it all out on your own. Policies are sold through licensed insurance agents who can help understand coverage, and also can offer other personal insurance. Markel is ideal if you're looking for basic policies with a great value.
Best for Last-Minute Changes : Wedsure
Quote available in 15 seconds with Instant coverage available
Customizable coverage options, deductibles, and dollar amounts
Professional counseling coverage provided it results from an insured cancellation
Several liability coverage options ranging from approximately $1,000,000 to $2,000,000
Online policy management
Covers up to four related events on the policy
Liability coverage limited to U.S., U.S. Virgin Islands, Puerto Rico, and Canada
No option to remove liquor liability
Pricing may be high or confusing due to the customization options
Wedsure has been in business for more than 25 years and is underwritten by Allianz insurance. As the original wedding insurers, their coverage options include all the standard features and some specialized ones that no one else offers, like Change of Heart.
If you are funding a wedding for family members, your children, or you want to protect the investment of someone helping to finance your wedding, then you may be interested in Wedsure's change of heart protection. The change of heart coverage will compensate an innocent third-party financier if the wedding is canceled by the bride or groom 365 days or more from the date of the first covered event.
Wedsure also offers property coverage in a few places that other top picks don't offer, such as Australia, British Virgin Islands, or New Zealand. Aside from the U.S., the U.S. Virgin Islands, and Puerto Rico, they also offer coverage in Canada, Ireland, Scotland, England, and Wales.
Best for Wedding Liability Coverage : WedSafe
Purchase liability insurance up to the day of the wedding
About a 15% discount to bundle wedding liability and cancellation
Host liquor liability is included without charge
Covers job-loss in the cancellation policy
Around 10 different cancellation coverage limits to choose from approximately $7,500 to $175,000
Up to about $5,000,000 liability
Emergency claims service available 24/7
A $15 rate purchasing group fee will be added to premiums quoted
Limitation of theft of cash, checks, and money orders of about $300
Mysterious disappearance is excluded, and thefts must be reported to the police
Policy wording for liability is very long and may be confusing
WedSafe was established in 1999 and issues wedding insurance underwritten by Nationwide, backed by Aon Affinity and K&K Insurance. They offer event liability insurance with a very comprehensive wording and can cover the venue and additional named insureds.
WedSafe also offers coverage for liability in (and on cruise ships) departing from the U.S., Canada, Puerto Rico, or any territory or possession of the U.S. like the U.S. Virgin Islands.
For their cancellation and postponement coverage, we like that you're able to choose different levels of insurance in categories, such as the ceremony, reception venue, caterer, photographer, videographer, flowers, special attire, and other wedding purchases. They have a low deductible on their cancellation policy. This level of coverage selection allows you to assign amounts that fit your event and budget.
There's also extended optional territory coverage. Wedding cancellation and postponement insurance are available in (and on cruise ships departing from) the UK, Mexico, the Bahamas, Bermuda, and Caribbean Islands (excluding Cuba) at only about 10% more than the cost of cancellation insurance for the U.S.
Best National : Event Helper
Instantaneous confirmation of insurance
A money-back guarantee that the venue will accept coverage
Covers events up to around 5,000 attendance
Liability from around $2,000,000 to $3,000,000
Buy a policy online or over the phone
No-fault medical expense coverage
No payment plans
Coverage limited to the United States
Per day costs
No 24/7 claims service
Event Helper has been offering insurance since 2009. The company offers host liquor liability and the ability to add more insureds for multiple venues in their basic liability policy. This could save you money compared to other wedding insurance providers, who may add these at additional cost.
Event Helper is an event specialist with the ability to cover large events of up to 5,000 guests. This service is ideal if you want to go through your insurance agent or online, and your event is happening in the U.S.
Best For Members of the Military : USAA
Can cover destination weddings in the U.S., Canada, U.S. territories, and cruises from those ports for liability
Can provide liability coverage up to 24 hours before event
Covers set up/tear-down within 24 hours of event
Liability from around $1,000,000 to $2,000,000
Money-back guaranteed to meet venue liability requirements
Only available to USAA members
USAA is a well-known name in insurance, providing home and car coverage to many, in addition to other offerings. Through alliances with special event companies, they can also provide coverage for weddings.
USAA is ideal for military members because they cover several locations around the world and will also cover the postponement if the guest of honor is in the police force, active military, or fire department, and if they are deployed (or due to the withdrawal of a previously granted leave).
The program is offered through Markel. Although Markel also offers insurance direct, going through USAA may allow you to take advantage of the member advantages and customer service expectations.
What types of wedding insurance are there?
When purchasing coverage, you will have a few options to buy:
Although all the wedding insurance companies we reviewed offered liability and cancellation insurance, each one has its own special features. Each service also had its own policy wording and exclusions. The verbiage in the policy can make a big difference in providing coverage for (or excluding) items that may be important to know about with regards to your wedding.
To select our top picks for wedding insurance providers, we wanted to make sure that the services we recommended were accessible, could provide adequate expertise, and had enough coverage offerings to protect you.
To do this, checked several factors for wedding insurance providers in the U.S., including how long they were in business, their availability throughout the country, who underwrites their policies, if they offered online quotes, if they offered sample policies online, if they provided FAQs, testimonials, and claim examples, and if they offered the base types of wedding insurance coverage (liability and cancellation).
Companies who not only offer their own program, but act as the selling partner behind other brands, or other providers, were identified. Similarly, those who appear to sell their own insurance, but then redirected to one of our top picks were eliminated unless we found value-added coverages or differences that might give you an advantage in checking both out. For example, USAA could provide member advantages in addition to the wedding insurance itself.
Once an insurer passed these criteria, we dug deeper and then compared our finalists side-by-side to see what differentiated them from each other, and which ones could provide that extra value add. If a wedding insurer was missing essential features, we didn’t include them.
What We Compared
Coverage specifics: We read the wording and definitions in liability and cancellation contracts wherever possible, keeping key coverage concerns in mind to see how each one might cover you in a claim.
Value-added services: We checked each company to see what the coverage differentiators were, and noted any items that stood out. For example, we looked at insurance for policy cancellation due to financial hardship like being unemployed suddenly, change of heart coverage (only offered by one insurer), or the ability to add a small rider to cover cancellation, instead of making you buy a separate policy, to name a few.
Deductibles and Coverage limits: We checked the maximum coverage limits available, if there were customization options, or if it was a “one size fits all” plan. Where clarification was needed, we called the insurers to ask them how coverage applied and paid attention to how intuitive everything they were explaining was. We also asked questions to cross-check information when we did not see a certain type of coverage, to make sure we weren’t missing something.
To find the best coverage and price for your situation, we found knowing the answers to the following would help you:
- Know your wedding costs to help decide if you need a policy with more customization, or if standard limits will be enough.
- Identify any big-ticket expenses that you may want to make sure are insured vs. smaller items that will not impact you if you lose the deposit.
- Consider if you can afford a higher deductible to save money (not all insurers let you customize the deductible or coverages); if your costs are lower, a no-deductible plan might be a better choice.
- The number of guests, how many days of coverage you need, and the type of venue you choose will drive the cost of the wedding insurance up or down.
- Shop around once you have your list of needs, expenses, deposits, and other items you may or may not want to insure ready, and see what each insurer will offer you.