(Closed) Wedding Insurance

posted 4 years ago in Money
  • poll: Do you have wedding insurance?
    Yes : (6 votes)
    26 %
    No : (17 votes)
    74 %
  • Post # 3
    2335 posts
    Buzzing bee
    • Wedding: November 2012

    I was required to purchase $1,000,000 insurance by my reception venue.  It cost me less than $200.

    Post # 4
    10509 posts
    Sugar Beekeeper
    • Wedding: January 2011

    I didn’t really see the point.  Yes, something bad could happen, but with our contract we weren’t on the hook for much unless it happened really close to the wedding.  If something did happen, we wouldn’t be bankrupt because of it.

    If you need insurance in case someone gets injured or something like that, I think that should be done.  Our venues were responsible though, not us.

    Post # 5
    11177 posts
    Sugar Beekeeper

    We purchased wedding insurance as it was required by our venue.

    Wedding insurance doesn’t just cover vendors; cake, dress, venue, flowers etc. There is also a liability portion that covered my DH and I (as well as the venue) if someone were to damage something at the venue, destroy one of the rental items or even in a severe case protect us from fault should someone get injured/into an accident coming from our event.


    Post # 6
    158 posts
    Blushing bee
    • Wedding: July 2013

    We had to get liability insurance as part of our venue contract. My dad added it onto his homeowner’s insurance for like $50! 

    Post # 7
    203 posts
    Helper bee
    • Wedding: August 2013

    We’re having our tented wedding at my grandmother’s home. I believe we can take out a one time special event type insurance under her home owners policy. We haven’t spoken to her insurance company yet, but it’s definetly something to think about. Especially, beacuse we’re having it at a private home and not an established business. What if there’s a tornado, or someone trips and breaks an ankle? 

    Post # 8
    272 posts
    Helper bee
    • Wedding: September 2013

    We had to purchase some liability coverage for our venue, but we don’t have general wedding event insurance in case things go wrong.


    Post # 9
    1064 posts
    Bumble bee
    • Wedding: July 2014

    Our venue requires liability insurance.

    Post # 10
    410 posts
    Helper bee
    • Wedding: September 2014

    I think there is a difference between wedding insurance and general liability insurance (which some venues – especially outdoor ones – require you to purchase). General liability is more in case someone gets hurt at the venue, etc. Wedding insurance is more in case it pours on your wedding day you can retake your wedding photos on a nice, sunny day. I may be wrong, but this is my understanding of it from a convo I had with someone in the wedding biz. Also it probably varies state to state.

    Post # 11
    381 posts
    Helper bee
    • Wedding: October 2012

    We didn’t have to purchase any insurance as a requirement but we did – I work in insurance and well… I insure everything.  Also – one of our mutual friends had to postpone their wedding – they postponed it the day before the wedding.  They lost $40k since everything was already paid for.  The grooms mom had a brain aneurism the day before so they decided to not go through with it.  Long story short – they had a much smaller wedding a year later, the grooms mom was able to attend as well.  If they had purchased insurance they would have only lost about $15k.

    The topic ‘Wedding Insurance’ is closed to new replies.

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