Wedding Insurance During Coronavirus


The world has come to a standstill since the outbreak of COVID-19. Virtually every industry and sector across all societies have been negatively affected in some way by this highly contagious virus.

Weddings have been one of the hardest-hit areas during the pandemic. Due to many people having been forced to cancel or reschedule their weddings, a lot of people have come to realize that wedding insurance and coronavirus go hand in hand. Wedding insurance is one of the best ways to ensure that your special day is protected against almost any conflict or disaster.

So what exactly is wedding insurance, and what does it cover?

In this article, we will provide you with a few helpful tips and ideas to guarantee that you choose the correct type of wedding insurance for your special day, as well as anything else that you should look out for when choosing wedding insurance.

What Is Wedding Insurance?

Did you know you should purchase coverage at least 30 days before your wedding day?

So, what does wedding insurance cover? The insurance you buy covers the wedding cost for your big day, and there are other forms of protection that provide a maximum safety net.

  • Liquor liability

This form of coverage ensures that liquor can be provided at your wedding. It allows you to either pay off liquor costs, if you can’t afford the upfront expenses, or ensures that liquor will be delivered to the venue in case of supplier-related issues. It also allows coverage for any liquor incidents or injuries.

  • Event liability

This is essentially a form of cancelation insurance that will ensure that your wedding is monetarily covered in case you find yourself rescheduling the wedding.

Most insurance companies will also have policies in place to help with the postponing of your wedding due to coronavirus – this is more important than ever during this time!

  • Venue liability

This form of insurance helps ensure that you are protected in case your venue cancels on you. It also helps cover the cost of the venue, allowing you to find another without losing any money invested. This is especially important regarding wedding insurance and coronavirus since there have been restrictions on gatherings over a certain amount of people.

  • Cancelation or postponement

Cancelation insurance is to help deal with the eventuality that your wedding should be canceled or postponed due to any unforeseen consequences. This will cover the cost of the rented venue, allowing you to find and pay for a new venue, should you need one, in time.

  • Additional coverage

Additional coverage is a broader form of insurance that helps cover all other situations that may incur unexpected costs, such as:

  • Damage to the wedding dress
  • Injuries to guests
  • Wedding rings (damages/losses)
  • Cover for damages in general
  • Wedding photos and videos  (missed services, ruined pictures, poor quality, etc.)

Wedding insurance generally covers most aspects of a wedding. However, there are a few extra things that should be accounted for when choosing an insurance package, especially considering wedding insurance during COVID-19.

For instance, most wedding insurance companies will charge extra for the additional coverage options listed above, so be sure to factor that into your budget.

Key Points to Reviewing Wedding Insurance

Is wedding insurance expensive? Insurance costs depend on your specific wedding budget.

The more your wedding costs, the more you’ll end up paying. Generally, though, it’s quite affordable and starts anywhere between $185 – $500.

What exactly is wedding insurance coverage? Wedding insurance coverage is essentially insurance for your wedding in case anything should go wrong. It helps to guarantee some form of reimbursement should something included in your package go awry.
Where can I find wedding insurance? There are a number of companies that specialize in wedding insurance. Wedsure, WedSafe, and Travelers are just a few.
How has COVID-19 affected wedding insurance? COVID-19 has forced a lot of couples to take out wedding insurance policies as a way of protecting their wedding day. The outbreak has led to a lot of postponements, which means people would lose their investments if they fail to have suitable coverage.
What research should be done before acquiring wedding insurance? First and foremost, you should always make sure to calculate the total cost of your wedding.

This will give you a good idea of how much your coverage will cost. You should also be sure to research a lot of companies and their various policies in order to find the most suitable one for your situation.

How Much Does Wedding Insurance Cost?

Did you know backyard weddings can be covered under regular home insurance?

The cost of your wedding insurance policy will depend on various factors, such as the company that you decide to use and the additional features and claims you may add to your package.

  • Wedding insurance cost

On average, wedding insurance tends to start between  $185 – $500 and increases in price as you add additional forms of coverage to your policy. Different companies will have various rates, so be sure to shop around.

  • Additional expenses 

Additional expenses such as wedding ring insurance, liquor insurance, honeymoon, and injury insurance tend to cost more. Most companies will offer packages that include a variety of additional expenses that are worked into the final cost.

  • Likelihood of a wedding being canceled because of COVID-19

Does wedding insurance cover coronavirus? Yes, it does! In the last year, COVID-19 has led to a large number of weddings being postponed or canceled. As a result, most forms of wedding insurance these days will offer coverage for any corona-related issues. This is usually added in as an additional surplus charge.

How to Get Wedding Insurance 

Did you know, on average, over 2.4 million people get married in the US every year?

Wedding insurance is pretty easy to come by these days as it’s grown in popularity. Generally, you can either obtain wedding insurance through your wedding planner, if you have one, or by setting up your own application online.

There are some steps you should take before setting up your wedding insurance to ensure you get the best possible quote.

  • Calculate how much your wedding will cost

The best way to determine that you’re getting the best quote on your wedding insurance policy is to calculate the total cost of your wedding. With the grand total in mind, you can be sure that you’re covering everything you need to while paying a fair price for it.

  • Think of what policies to include in your insurance

You’ll generally find that most insurance companies offer a limited insurance policy to start you off. As time goes on, you’ll need to inquire about adding features to your plan in order to make sure that everything is covered.

  • Research and find out the best deal for you

How much is wedding insurance and what’s the best deal? Thanks to the internet, information about almost every product in the world is easily available to you at your fingertips — and wedding insurance is no different

All you have to do is scroll online and you’ll find several great businesses that specialize in offering wedding insurance. Be sure to research them thoroughly in order to determine which policy best suits you! You can also try researching wedding loans for those with bad credit in case your credit score isn’t the best.

Impact of Coronavirus on Wedding Events

Did you know the average cost of a wedding is around $26,000? 

Having your wedding canceled due to coronavirus is not fun, to say the least! Finding the right level of coverage to be assured that your special day is guaranteed is very important. Over the past year, more than $121,173,165,000,00 worth of wedding-related losses have already been filed.

That gives you an idea of not only how much money weddings are worth, but also how important wedding insurance really is.

As a result of the pandemic, wedding cancelation insurance has become very popular. As many have noted, the outbreak caused a lot of people to reschedule their wedding dates or forced them to find new venues.

Having some form of liability coverage helps guarantee that even if you don’t get to celebrate your special day, you will still receive some form of reimbursement for your costs, time, and hard work.

If the high wedding costs aren’t enough to justify spending a little extra on some insurance, then the coronavirus certainly is!


Will your wedding be canceled because of the coronavirus? If you’re reading this, then there’s a good chance it already has been, or you think it might be. If you’re worried about whether coronavirus may affect your wedding, it’s best to take out wedding insurance for coronavirus.

In most cases, wedding insurance is quite affordable and does not require a lot of paperwork to register. After reading the information provided, you can even go a step further and confidently fill in a nice wedding registry without having to worry about sudden cancelations or changes.


Would I be covered if the venue or any of my wedding suppliers cancel due to coronavirus?

Depending on the type of insurance you have, yesl. In order to guarantee this type of coverage, you will need to apply for venue liability coverage, as well as liquor liability and some additional forms of coverage in order to ensure that your wedding day is protected against any event

If my venue offers an alternative date, but my other suppliers won’t change the date, can I still be reimbursed?

Yes. Your insurance provider will pay you the amount you had put aside or already paid to your suppliers. This is especially true when dealing with wedding insurance during coronavirus restrictions or delays.

If the venue cannot hold my wedding due to government restrictions, would the cancelation or postponement of my wedding be covered?

Yes. Wedding insurance was originally created to cater to these kinds of needs. Wedding event insurance is what you need to research before you choose a company. The coronavirus caused many companies to make additions to their policies surrounding COVID-related queries. Your coverage should be expanded to deal with these issues, but you should check with your potential insurance provider before signing up for anything.


I learned a lot about finance after working for a digital marketing company specializing in investing and trading stocks, forex, etc. After that, I got exposed to other verticals such as wealth management and personal finance, which further improved my understanding of the financial world.

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