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I'm going to be married this summer, and my soon-to-be mother-in-law says we should buy wedding insurance. What does a wedding insurance policy cover, and how much would it cost?

As you dream about your big day, wedding insurance provides some peace of mind that you won't experience a financial nightmare if something goes wrong.

The policies vary, but generally they cover things such as lost deposits, damaged gifts, unavoidable cancellation due to weather, lost or damaged photographs, host liability, and perishable materials.

A recent analysis of wedding insurance claims by The Travelers Cos. found that the largest percentage of claims stemmed from trouble with vendors or venues, such as photographers who failed to show up or reception halls that went out of business. Sickness, illness and injury involving the bridal party accounted for the second-largest category, according to Travelers. Third place belonged to claims stemming from weather disasters, including hurricanes, tornadoes and blizzards. Stolen or damaged gifts, lost wedding attire, and the call to active military duty for brides and grooms led to other claims.

The policies usually cost between $150 and $500, depending on how much coverage you need.

It's a small price to pay if you're planning a lavish affair, especially in an exotic location. It also makes sense if you're planning to host the event at your home and need extra liability coverage. Talk to your wedding planner, and get wedding insurance quotes from a few companies to compare insurance rates. Review the policies carefully before you buy. Like any other type of coverage, wedding insurance has exclusions and limits.

For more, see Here's what will go wrong on your wedding day.

Last updated: May. 14, 2012
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