Protect your big day: Best wedding insurance companies in 2025

The average cost of a wedding was $33,000 last year, according to The Knot 2025 Real Weddings Study. That’s a hefty investment for anyone and not money you want to lose.

Yet, every year, couples find themselves losing deposits or payments made to venues that close, businesses that go bankrupt and vendors who are no-shows on the big day. While there is little that can be done to minimize the stress that these situations cause, you can avoid taking a financial loss if you buy wedding insurance.

“We talk about it as peace of mind,” says Deidre LeBlanc, vice president of specialty for Travelers Insurance.

Wedding insurance is a small investment that can save you from massive financial losses if something goes wrong. Any couple can buy it, and the right policy can protect everything from non-refundable deposits to damaged attire or last-minute cancellations. 

Before you purchase, it’s essential to understand exactly how much coverage you’re getting, what’s required to file a claim, and which insurers offer the best protection for your unique plans. Up next, we’ll introduce you to some of the best wedding insurance companies and help you find the perfect fit — whether your big day is a tropical getaway or a laid-back backyard bash.

What is wedding insurance?

Wedding insurance is an inexpensive specialty product that can protect against a variety of losses. Depending on the insurer, these may include the following:

• Cancellation or postponement due to unforeseen events such as sudden illness, venue closure, severe weather, or being called to active military duty
• Loss of deposits if a vendor goes out of business or fails to appear
• Unexpected, last-minute costs needed to prevent cancellation or postponement
• Loss or damage to photographs, attire, jewelry, or gifts
• Optional liability coverage to protect against injuries that occur during the event
  

“It’s really meant to cover things that are completely unexpected,” LeBlanc says.

That means if your wedding gets delayed because of a medical condition you already knew about, your insurer probably won’t cover it. And if someone gets cold feet or you both decide not to go through with it, wedding insurance won’t pay out for that either.

Who needs wedding insurance?

Every couple should consider buying wedding insurance, according to LeBlanc. “It’s one of the single biggest days of your life,” she notes.

Wedding insurance can be especially valuable if you’re hosting a large event, planning a destination wedding, or serving alcohol. While some couples choose to buy only liability coverage for protection, LeBlanc notes that certain venues may even require a liability policy as part of their contract.

If you’re having a small, low-key ceremony at home with just a few guests, you may not need wedding insurance at all. Your homeowners policy might already include enough liability coverage, and if it doesn’t, you can usually add an umbrella policy to extend your protection for the event.

Keep in mind, homeowners insurance won’t cover lost deposits or cancellation costs, so even for a wedding at home, it might still be worth purchasing wedding insurance.

Best wedding insurance companies in 2025

Some major insurers offer wedding and special event coverage, but there are also smaller companies that focus exclusively on weddings. Below are some of the top providers and a quick look at what each one offers.

Travelers Insurance

• Wedding Protector Plans start at $160 and have no deductible
• Up to $250,000 may be covered by core plans
• Optional liability and liquor liability insurance available
• Available to residents of all states except Louisiana, Hawaii and Alaska

If you want to buy wedding insurance from one of the biggest names in the industry, consider a Wedding Protector Plan from Travelers Insurance. Coverage can be purchased for as little as $160 and there is no deductible if you file a claim.

Core coverage can safeguard your event against extreme weather, vendor no-shows, sudden illness, and damage to attire, jewelry, or gifts—among other unexpected setbacks. You can also add optional liability and liquor liability coverage, with liability protection extending until 2 a.m. the morning after your event.

Wedsure

• Covers weddings in certain countries outside the U.S., including Canada, the UK, Australia, New Zealand, Ireland, Puerto Rico, and the British Virgin Islands
• Offers nine different options so couples can customize their coverage
• Wedding cancellation and postponement coverage starts at $95 while liability coverage begins at $125
• Liability plans include liquor liability and can provide up to $5 million in coverage
• Available in all 50 states

Wedsure pioneered wedding insurance and remains one of the most trusted names in the industry. You can secure liability coverage up until the night before your wedding—and liquor liability comes included. Their policies can cover up to $5 million in damages.

For added protection, Wedsure offers eight optional coverages so you can tailor your plan to your celebration. These include protection for gifts, special attire, and even professional counseling if your wedding is unexpectedly called off.

GEICO

• Event insurance pricing begins at $75 for liability coverage and $130 for event cancellation coverage
• Couples can save up to 15% (or 10% in Florida) when they purchase both types of coverage
• Liability limits can run from $500,000 to $2 million
• Available in all 50 states

GEICO is another well-known insurer that offers wedding coverage through its event insurance policies. Both liability and cancellation protection are available, and couples who purchase both receive a discount. Liability coverage typically costs $75 to $325, while cancellation coverage starts at $130.

You can buy liability insurance up to one day before your wedding, but cancellation coverage must be purchased at least 14 days in advance. For weather-related cancellations, the policy must be in place at least 15 days before the anticipated or actual extreme weather event.

eWed Insurance

• Offers cancellation, liability and vendor liability coverage
• Pricing starts at $75 for cancellation coverage and $119 for liability with no deductibles
• Up to $3 million in liability coverage available
• Available in all 50 states

With eWed Insurance, there are no deductibles, and you can get up to $3 million in liability coverage. If you need vendor liability, that’s available separately, offering up to $2 million in coverage starting at $125. Cancellation coverage comes in 10 different levels, from $5,000 for $75 all the way up to $100,000 for $725, so you can choose the amount that fits your wedding plans.

Unlike some other providers, you can purchase eWed’s cancellation coverage up to one day before the event. However, you’ll need to buy a plan at least 14 days before the wedding if you want your coverage to include protection from severe weather delays or cancellations.

Whether you choose a major insurer or a specialized provider, spending a couple hundred dollars to safeguard the thousands you’re investing in your wedding is money well spent. It’s a small step that can protect a big day — don’t skip it in your planning.

Tips for buying wedding insurance

As with any insurance, it pays to shop around and compare quotes from multiple companies. When you do, look closely at:

• The total cost of the policy
• What’s covered and the coverage limits
• Any deductibles and when they apply
• Exclusions, such as natural disasters

You’ll need to know the details of when and where the wedding will be to purchase coverage, but once you have that information, LeBlanc says it is better to buy insurance sooner rather than later.

As you line up your event vendors, be sure to get everything in writing. “With any of your vendors, get contracts and get receipts,” LeBlanc advises. “If you don’t have proof of payment, that’s going to be a problem.”

No couple wants to file a claim on their wedding insurance, but if you do, having written documentation will be essential to receive a prompt payment.

Common wedding insurance exclusions to watch for

While wedding insurance can cover a wide range of unexpected issues, it’s important to understand what it won’t protect against. Most policies exclude:

• Pre-existing conditions. If an illness or injury was known before the policy was purchased, related cancellations likely won’t be covered.
• Change of heart. If one partner decides not to go through with the wedding, no policy will pay for losses.
• Extreme weather without advance purchase. Many insurers require weather-related coverage to be bought at least 14 to 15 days before the event.
• Pandemics or government shutdowns. Some policies now specifically exclude COVID-19 or similar public health events.
• Vendor issues outside of covered events. For example, dissatisfaction with a vendor’s work may not qualify for a claim unless they failed to show up entirely.

Reading the fine print before you buy will help you avoid unpleasant surprises when it’s time to file a claim.

How to file a wedding insurance claim

 If something goes wrong, taking the right steps quickly can make the claims process smoother:

• Notify your insurer immediately. Most companies have deadlines for reporting a claim.
• Gather documentation. This includes contracts, receipts, proof of payment, photos of damages, or written statements from vendors.
• Fill out the claim form completely. Missing information can delay your payout.
• Stay in touch with your adjuster. Respond promptly to requests for additional details.
• Keep a copy of all correspondence. Emails, letters, and claim numbers can be helpful if questions arise later.

The more proof you have, the easier it will be for your insurer to process your claim and reimburse your expenses.

Wedding insurance is a small investment that can save you from massive financial losses if something goes wrong. Any couple can buy it, and the right policy can protect everything from non-refundable deposits to damaged attire or last-minute cancellations. 

Before you purchase, it’s essential to understand exactly how much coverage you’re getting, what’s required to file a claim, and which insurers offer the best protection for your unique plans. In the next section, we’ll break down the top wedding insurance companies — and highlight which ones are best suited for different situations, from destination weddings to intimate backyard ceremonies.

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