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Your big day is expensive. Protect your wedding — and your finances — with wedding insurance. 

Wedding season is upon us. And while weddings are a once-in-a-lifetime celebration of love, the cost of having one is going up. According to The Knot, the average cost of a wedding was $28,000 in 2021, and in more expensive states like New Jersey, that number is even higher. 

Couples spending thousands on their special day should make sure that all that money doesn’t go to waste — and a wedding insurance policy is just the way to do that. Getting the right wedding insurance policy ensures you’re covered financially if the unexpected happens. Whether it be a ripped wedding dress, a wildfire on the vineyard or the venue goes bankrupt, having a policy in place means you’re not on the hook for thousands of dollars. 

​​Liability insurance will [also] protect the couple in case of an injury or property damage. When you have an event where guests will be drinking, it’s always important to protect yourself as there are many unknowns that can take place,” says Samar Hattar,  founder and lead event planner at Blissful Events.

The best wedding insurance company for you depends on what type of protection you need and what your venue requires. But you don’t have to figure it out all on your own — if you are wondering how to get wedding insurance, look no further. has compiled the best wedding insurance companies of 2022 so that no matter what happens on your big day, you are prepared. 

The best wedding insurance policies out there

The OG of wedding insurance: Wedsure 

At a glance:

Cost: Starts at $125 

Liability limits: Coverage goes up to $5 million

Coverage options: Event cancellation coverage, weather insurance, loss of deposit coverage, rented property coverage, change of heart coverage and professional counseling 

Backed by the world’s second-largest insurer, Allianz, Wedsure invented the business of wedding insurance, and they continue to provide comprehensive coverage for couples. Allianz consistently receives superior scores from ratings agencies and, as of 2022, Moody’s has given Wedsure a rating of Aa3, and AM Best rates A+; these determinations are based on their financial health — such as solvency and their ability to pay policyholder’s claims. 

With Wedsure, you pay for peace of mind and customizability: you can select from unique add-ons to get the coverage you want, rather than paying for a policy with features you might not need. 

Additionally, you can buy Wedsure online immediately, meaning less stress waiting around for your policy to be approved. Wedsure also offers the most extensive coverage in Canada and Puerto Rico for weddings beyond the continental United States. 

Best for the really fun wedding: eWed

At a glance:

Cost: Starts at $119 

Liability limits: Coverage goes up to $1 million

Coverage options: No-fault medical expense insurance up to $5,000, waiver of subrogation, cancellation and postponement coverage and vendor liability coverage

eWed Insurance is backed by Tokio Marine HCC, a leading national insurance provider and proves to be the best for couples who are expecting a rowdier party. Unlike many other insurers, eWed offers zero deductible insurance. Meanwhile, supplemental coverage such as host liquor liability insurance and naming the venue as an insured come at no additional cost, making the cost of additional coverage cheaper than some other carriers. 

eWed is also known for its quick underwriting and 24/7 concierge service, making it not only affordable, but easy to use.

While eWed is a newer company, it has superior financial ratings: Moody’s rates Aa3 and AM Best rates A++. 

Best for small weddings: Progressive 

At a glance:

Cost: Starts at $67 with a 5% discount for Progressive members

Liability limits: Coverage goes up to $2 million per occurrence and $5 million per policy

Coverage options: Host liquor coverage, waiver of subjugation and wedding cancellation or postponement and additional special coverage 

Progressive offers wedding and event insurance provided by The Event Helper to protect your nuptials. Because The Event Helper also covers smaller events — like a 5k run — coverage is very affordable and can be customized to each couple’s needs. Those with smaller weddings or a lower budget will be happy with an insurance policy that can be as little or as big as they need it to be. There’s also a pretty nice return policy attached: if the policy doesn’t meet the venue’s insurance requirements, Progressive offers a money-back guarantee. 

Additionally, Progressive’s wedding insurance comes with special coverage that goes beyond the venue’s basic requirements. Spill red wine on your white dress? Special coverage has you covered. 

Progressive has an A.M. Best rating of A+ Superior and Moody’s rating of Aa.

Best for no-frills coverage: WedSafe

At a glance:

Cost: Varies depending on state and event

Liability limits: Coverage goes up to $1 million with the possibility for more

Coverage options: Cancellation and postponement coverage and straightforward liability insurance 

WedSafe was founded in 1999 and is backed by K&K Insurance, a firm specializing in insuring sports, leisure and entertainment products. If you need last-minute coverage without any frills, WedSafe does the job: it offers straightforward liability and cancellation coverage at affordable prices. Bargain shoppers can receive a 15% discount if they purchase both liability and cancellation wedding insurance as a package. 

Their holding company has an A.M. Best Rating of BBB+. 

Best for people who prefer a rookie: Markel 

At a glance:

Cost: Starts at $75

Liability limits: Coverage goes up to $2 million

Coverage options: Liquor liability insurance, event cancellation and vendor can be named as additional insured

Markel wedding insurance has been around for over 70 years, and for people who prefer the safety net of reliability, it definitely offers that up. Allstate, an industry name, offers wedding insurance through Markel, and you can bundle and save if you purchase any additional policies through Allstate. 

Additionally, Markel offers comprehensive coverage that is sure to protect your big day from anything going sideways: alongside standard liability insurance, their cancellation insurance covers a wide range of scenarios — from the vendor going bankrupt to military deployment. 

Markel has high ratings: A.M. Best rates Markel A for excellent, and Moody’s rates A2 for good.

How to buy wedding insurance

First and foremost, you should have the details of your wedding nailed down – the number of attendees, venue, wardrobe and coverage dates. Couples will need liability insurance to protect against any accidents, while cancellation insurance is a nice add-on. After that, follow these steps to purchase your policy:

  • Choose your desired coverage amount
  • Select supplemental coverage add-ons
  • Pick coverage limit and a deductible
  • Receive a quote and finalize policy details with an agent
  • Sign policy papers and pay your premium

Your wedding day is one of the most important days of your life — make sure it’s covered by purchasing wedding insurance. To get a policy that provides the right coverage for you at the most affordable price, make sure to shop around. 


We investigated the policies and reputations of established wedding insurance companies to determine the best wedding insurance companies out there. Our analysis considers price, coverage offered and rankings from the top ratings agencies.

Frequently asked questions: Wedding insurance 

What does wedding insurance cover? 

Wedding insurance covers nonrefundable losses that happen during a wedding, such as an unforeseen cancellation or ripping your wedding dress. Liability wedding insurance will reimburse you for any damages, while liquor liability coverage can be added on to cover alcohol-related injuries and accidents. 

What is not covered under wedding insurance?

Intentional injury is not covered. Depending on the policy, situations like changing your mind might not be covered either. While many companies were covering COVID-19 for the first two years of the pandemic, they are no longer doing so. 

Is wedding insurance worth it?

Yes. Whether you are hosting a small or big gathering, there is little reason to neglect event or liability insurance on your special day. You should also check with your homeowners insurance policy to see what types of events are covered, as a wedding in your backyard could be covered under liability insurance. However, homeowners insurance probably won’t provide the bells and whistles that wedding insurance does, so wedding insurance is the best way to get extensive coverage.


Allianz.”Rating” Accessed June 2022.

A.M. Best. “Nationwide Ratings Supplement ” Accessed June 2022.

Event Helper “ FAQs ” Accessed June 2022.

EWed Insurance.”Wedding Liability Insurance.” Accessed June 2022.

Fitch Ratings.”Fitch Affirms Aon plc’s ‘BBB+’ IDR ” Accessed June 2022.

The Knot. “The Knot 2021 Real Weddings Study.” Accessed June 2022.

The Knot. “ This was the Average Cost of a Wedding in 2021” Accessed June 2022.

Markel. “Credit Ratings.” Accessed June 2022.

Markel Insurance. “FAQs. ” Accessed June 2022.

Progressive. “ Third-party financial ratings. ” Accessed June 2022.

Tokio Marine. “ Rating.” Accessed June 2022.

Wedsure.” Top 5 Reasons to Choose Wedsure.” Accessed June 2022.

Wedsafe.”Wedding Insurance Claims.” Accessed June 2022.

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Danielle Dorchester
Contributing Researcher


Danielle Dorchester is a juris doctor candidate at Cardozo Law School with a focus on insurance law. She is a copywriter for small B2B businesses and a content writer for outlets including