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Wedding Insurance – Wedding Event Insurance

What Is Wedding Insurance (and What Does It Cover)? How does Wedding Event Insurance Work?

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Every wedding is different. That’s why our wedding insurance can be customized to meet your specific needs and budget. For over 10 years, Allen Financial Insurance has been the leader in providing the most complete wedding insurance coverage at an affordable price. Allen Financial Insurance offers two distinct coverages to protect your wedding that can be purchased individually or, for the best protection, as a package.


We take the worry out of wedding planning.

What Is Wedding Insurance?

Basically, wedding insurance protects a couple’s investment from circumstances beyond their control, and reimburses expenses incurred. For example, what if your limo driver doesn’t show up and you have to book another one the morning of the wedding—for three times the price? Or what if the groom’s custom-made tuxedo is lost in airport baggage, and he has to buy a new one the day before the wedding? What if your reception space goes out of business a month before the wedding, and you lose your deposit and have to book another space? These are the types of wedding day financial losses that wedding insurance can help to protect.

Wedding insurance is a type of event insurance that protects you from losses that may happen due to various factors, such as:

  • unforeseen events causing damage or injury at a wedding
  • external event(s) beyond your control that may prevent your wedding from occurring
  • extreme weather
  • problems with the venue or vendors


Why Get Wedding Insurance?

Consider these scenarios:

  • Brent and Terri spend months planning their winter wedding. But on the wedding day, their reception site is made inaccessible by an ice storm. With the right wedding insurance policy, the couple can postpone their wedding and receive every penny they lost (less the deductible)—including money for the invites, cake, catering, attire and nonrefundable deposits for ceremony musicians, a floral designer and other vendors.
  • The bride’s father is injured in a car accident just before the wedding and cannot travel. If the couple has to postpone their wedding, with wedding insurance they could be paid back their expenses to enable them to have the wedding when the father recovers.
  • Right before the ceremony, Brittany’s gown catches a gust of wind. Unfortunately, the tulle dances right over to the end of Uncle Howard’s cigar and the dress instantly goes up in flames. Fortunately, the right insurance policy covers the replacement of the veil and gown.

How Much Will My Policy Cost?

Although pricing for wedding insurance varies, wedding event liability coverage could start on average at around $150.00 – $175.00 for $1 million of coverage. Depending on the various options and packages you could be looking at between $200-$550.

Do You Really Need This Coverage?

Before you buy wedding insurance, check with your each of your vendors to see how well they’re covered—your reception site or your caterer may already have their own insurance, so you wouldn’t want to pay for overlapping coverage out of your own pocket. Ask your vendors for a copy of their policy, and then figure out where you aren’t fully covered.

Should You Get Wedding Event Insurance?

A lot of time, effort and planning go into the wedding day. A wedding insurance company is familiar with all kinds of things that go wrong and by having a policy the insurance company will have your back if something goes wrong and it’s covered. The cost of wedding insurance is minimal compared to the cost of the wedding and what is at risk.

When Should You Get Wedding Event Insurance?

You should look into wedding insurance as soon as you are planning your wedding and have an idea of the venue. Sometimes the venue you select, whether you are serving your own alcohol and other aspects of your day will dictate what kind of insurance you need.

What Does My Wedding Policy Cover?

Problems with the site, weather, vendors, key people, sickness or injury are the top concerns come wedding day. There’s usually a specified maximum amount, which can be claimed under each section, and a deductible also applies. Be sure to find out the details of your insurance plan.

7 Things Wedding Event Insurance Covers

  1. Vendor Issues (permits being revoked, bankruptcy or failures)
  2. People getting sick or injured
  3. Property damage
  4. Extreme weather
  5. Military deployment*
  6. Lost or stolen gifts
  7. Dress damage or wedding attire coverage

Wedding Policies Don’t Cover…

This coverage doesn’t  include coverage if people get cold feet or pull out of a wedding. Wedding insurance is for things that are not within the couple’s control putting their event at risk.

  • A change of heart. In other words, cold feet don’t count.
  • Watches, jewelry or semiprecious gemstones or pearls (even if they are attached to clothing) may not be covered.
  • While your wedding rings may be covered by the policy, your engagement ring probably will not.
Are the Different Kinds of Wedding Policies?

There are two types of wedding insurance:

Wedding Event Insurance protects your investment in your wedding for occurrences such as:
  • Venues not usable OR Closed
  • Venues & Suppliers going out of business or not performing their services;
  • Cancellation of the wedding for various causes, such as:
    weather, terrorism, military deployment, airplane delays.


  • Severe Weather
  • Sudden Illness
  • Attire
  • Ruined Photographs & Video
  • Honeymoon Luggage
  • Wedding Presents
  • Lost Rings


  • Cake & flowers
  • Wedding Documents
  • Wedding Stationary
  • Call To Duty
  • Transportation Shutdown
  • Professional Counseling
  • Lost Deposits


Wedding Event Insurance

Wedding Insurance - Wedding Event - Wedding Event Insurance - insurance | wedding event insurance - wedding insurance | wedding event

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Wedding Insurance - Wedding Event - Wedding Event Insurance - insurance | wedding event insurance - wedding insurance | wedding event

Wedding Insurance - Wedding Event - Wedding Event Insurance - insurance | wedding event insurance - wedding insurance | wedding event