Wedding insurance is exactly what it sounds like. It is an insurance policy that covers your wedding and protects you financially against misfortune and mishap. Wedding insurance policies are usually pretty inexpensive, with a basic policy costing between $125 and $500, and can give the couple to be wed piece of mind. Whether or not you need to purchase Wedding insurance is a personal decision, and is an additional cost for your wedding. The average cost of weddings in the United States is now about twenty seven thousand dollars; so wedding insurance is becoming more of a necessity.

Wedding insurance policies typically cover several things. Weather is usually covered. If your celebration must be postponed due to rain or other bad weather, your policy should cover the costs of rescheduling. If essential people get sick or injured, and cause the wedding to be postponed, the expenses involved with that postponement are usually covered as well. If your minister, justice of the peace, rabbi, or other celebrant should be a no-show, you should be able to recoup some of your costs. If your caterer, florist, photographer, or other key vendor is missing in action, you may recover some costs, and possibly the costs of rescheduling the whole thing. If your ceremony and reception sites do not already carry their own insurance, your wedding insurance policy can cover damage to the site, or going out of business.

There are many additional riders that you can purchase on Wedding insurance policies. If the bride or groom is in the military or active reserves, you can be insured in case they are called to duty. Your gowns and tuxedos can be covered, including stores going out of business, or being damaged. If your homeowners or renters insurance doesn't cover them, you might want to protect gifts against theft or damage. Most sites carry liability insurance, but if you are having your wedding at home, you might want to purchase a liability rider in case a guest gets hurt or hurts someone else. You can also protect yourself against having to cancel your honeymoon trip in case of illness, weather, or other circumstances.

You should know that cancellation due to cold feet, or a special circumstance that could cause the wedding to not take place that you had knowledge of when you took out the policy is not covered.