Keep in mind that children are not included in most policies so you will need a special rider if you choose to have children at your wedding.
To find the best wedding insurance policies, we reviewed and compared insurers and their policy types, coverage limits, deductibles, cancellation clauses, and riders that could be added to policies. Before adding them to our list, we also considered nationwide availability, if online quotes were offered, and more.
The 6 Best Wedding Insurance Policies of 2023
BEST OVERALL
Pros
- Offers a 15% discount for bundling liability and cancellation insurance
- No additional cost to add additional insureds like the venue
- Liability ranges from about $1,000,000 to $2,000,000
- Offers around a $50 rider to protect up to $5,000 of cancellation coverage
- Features approximately a $25 deductible on cancellation policy items
- Purchase liability up to one day before the event
Cons
- Possible exclusion for communicable diseases
- About a $1,000 deductible on property liability
- Around a $300 limit on cash and checks
BEST FOR DESTINATION WEDDINGS
Pros
- Great reputation
- Venues can be insured at no additional cost
- Purchase two years to 25 hours before the event in most states
- No deductibles
- Great for destination weddings
- 24/7 claims service
Cons
- Not available in Alaska, Hawaii, and Louisiana
- DJs, bands, and caterers cannot be added to the policy
BEST FOR LAST-MINUTE CHANGES
Pros
- Quote available in 15 seconds with Instant coverage available
- Customizable coverage options, deductibles, and dollar amounts
- Professional counseling coverage provided it results from an insured cancellation
- Several liability coverage options ranging from approximately $1,000,000 to $2,000,000
- Online policy management
- Covers up to four related events on the policy
Cons
- Liability coverage limited to U.S., U.S. Virgin Islands, Puerto Rico, and Canada
- No option to remove liquor liability
- Pricing may be high or confusing due to the customization options
BEST FOR WEDDING LIABILITY COVERAGE
Pros
- Purchase liability insurance up to the day of the wedding
- About a 15% discount to bundle wedding liability and cancellation
- Host liquor liability is included without charge
- Covers job-loss in the cancellation policy
- Around 10 different cancellation coverage limits to choose from approximately $7,500 to $175,000
- Up to about $5,000,000 liability
- Emergency claims service available 24/7
Cons
- A $15 rate purchasing group fee will be added to premiums quoted
- Limitation of theft of cash, checks, and money orders of about $300
- Mysterious disappearance is excluded, and thefts must be reported to the police
- Policy wording for liability is very long and may be confusing
BEST NATIONAL
Pros
- Instantaneous confirmation of insurance
- A money-back guarantee that the venue will accept coverage
- Covers events up to around 5,000 attendance
- Liability from around $2,000,000 to $3,000,000
- Buy a policy online or over the phone
- No-fault medical expense coverage
Cons
- No payment plans
- Coverage limited to the United States
- Per day costs
- No 24/7 claims service
BEST FOR MEMBERS OF THE MILITARY
Pros
- Can cover destination weddings in the U.S., Canada, U.S. territories, and cruises from those ports for liability
- Can provide liability coverage up to 24 hours before event
- Covers set up/tear-down within 24 hours of event
- Liability from around $1,000,000 to $2,000,000
- Money-back guaranteed to meet venue liability requirements
Cons
- Only available to USAA members
