Wedding insurance

If you got it, do you think it is/was worth it?
ETA - I'm a winter bride so that is why this is weighing on me.
Thanks for you input.

We will be purchasing insurance in the next couple of weeks. With a Feb wedding, the $$ is worth my piece of mind.

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Posted by Soon2BeMrs2006

what does the insurance cover?

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It's supposed to protect you from financial loss in the event one of the major elements of your wedding covered under the policy is lost/damaged prior to your event, to reimburse you for a deposit made to a vendor who goes out of business before the wedding and to cover rescheduling costs if your wedding must be cancelled or postponed due to various circumstances beyond your control.

• Weather. If the policy is purchased more than 14 days before the wedding and adverse weather prevents the celebration from taking place or a majority of your guests from attending, the costs of rescheduling the event are covered. Be aware that dark skies and light rainfall alone won't qualify as reason enough to cancel your wedding.

• Key People. If people crucial to the wedding are unable to attend due to illness or injury, the cost of postponing the event is covered. This also holds true if the officiant fails to appear on your wedding day.


Military or Job. If the wedding must be postponed due to the bride or groom in the military having their leave withdrawn, or a last minute corporate move suddenly relocates the wedding couple to another city, the policy will respond to cover the costs of rescheduling the wedding and reception.

• Photographs & Video. If your photographer fails to show, if the film used for your photos is defective, or if the negatives are lost, destroyed, or improperly developed, this coverage allows you to reunite the wedding party for a re-shoot to capture your wedding memories.
• Gifts. This coverage is designed to protect you against the theft, damage or loss of your wedding gifts.
• Wedding Attire. If your wedding gown or the attire of the groom or one of your attendants is lost or damaged, this coverage will provide for repair or replacement.

• Rings. This coverage is designed to replace a wedding ring (not engagement ring) that is lost or stolen prior to your wedding day.

• Loss of Deposits. If one of your vendors goes bankrupt or ceases doing business, this coverage will respond to reimburse you for any deposits you may lose as a result.