By Tahir Abbas, Editor · Last updated 1 November 2026
Wedding insurance covers the money you spend on your wedding day: the venue, catering, photography, attire and rings. Weddings are planned months ahead and cost a great deal, so a cancelled venue, a supplier going out of business or a damaged dress can mean losing deposits you cannot recover.
This guide explains what wedding insurance typically covers, what it leaves out, who it suits, and how to compare policies before you buy.
What wedding insurance typically covers
- Cancellation or rearrangement if the venue, a key supplier or a member of the wedding party cannot attend
- Supplier failure: deposits lost when a supplier goes out of business
- Damage to wedding attire, rings and gifts
- Photography and video failure, where included
- Public liability for the wedding party, where included
What wedding insurance typically does not cover
- Change of heart: cancellation because you decide not to marry
- Bad weather alone, unless it prevents the wedding happening
- Costs above the policy’s limits for each item
- Pre-existing problems known when buying the policy
Who wedding insurance is for
Any couple planning a wedding with significant deposits at stake. It is especially worthwhile for large weddings, destination weddings and weddings booked far in advance.
How to choose and compare wedding insurance
- Compare the total cancellation limit against your wedding budget
- Check supplier failure cover and its limits
- Look at cover for attire, rings and gifts
- Buy early: cover usually starts from purchase, so earlier is better
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Sources and Disclosure
This guide is general information, not financial advice. Plan features described here are general and vary by insurer and state; always read the sample policy before you buy. For the rules governing insurance in your state, see the consumer resources of the National Association of Insurance Commissioners (NAIC). Disclosure: Being Insurance is an independent comparison site. We may earn a commission when you buy through links on this page. That never changes which companies we list or the order we present them in.