Wedding Event Insurance 2027
Wedding insurance: $150-$500 covers cancellation, weather, vendor no-show, liability. Worth it for $30K+ weddings — protects deposits.
| Wedding budget | — |
| Venue + catering | — |
| Outdoor multiplier | — |
| Destination multiplier | — |
| Annual premium | — |
| Coverage available | — |
| Deposit risk | — |
Wedding event insurance protects deposits paid to vendors against unexpected cancellation, postponement, vendor no-show, weather damage, illness, military deployment, or other covered perils. Typically $150-$500 for $25K-$50K wedding budget — protects 30%+ of investment.
Coverage Components
Cancellation/postponement: weather, illness, military deployment, vendor failure. Vendor no-show: photographer/florist/caterer doesn't appear. Deposit protection: refunded if outside force majeure. Property damage: gifts lost, rented items damaged. Liability: guest injury, property damage to venue.
Common Exclusions
Change of heart (cold feet not covered). Pre-existing health conditions. Routine weather (light rain). Acts of war/terrorism (some carriers). COVID/communicable diseases (most carriers post-2020 exclude unless add). Read policy carefully.
Special Risk Adders
Outdoor venue: 1.5-2x base premium. Destination wedding: 2x base. International: even higher. Mountain top, beach, etc.: 1.5x. Add separate policy for: liquor liability, valuable wedding rings, high-value gifts ($5K+).
Last updated May 2026. Sources: III Event Insurance.