Best Wedding Insurance in 2025

According to The Knot's 2025 Real Weddings Study, the average amount most couples spend is around $33,000 — and that's not even including the ring! With such a substantial financial contribution, it would only make sense that you'd want to protect your investment, especially when you consider the scenarios where you would need wedding insurance.

If something goes awry, such as illness taking out the bridal party or vendors going out of business before your big day, you could be out of luck with any deposits or payments made — unless you're protected with a good policy that offers comprehensive liability coverage as well as event cancellation coverage.

But when it comes to the best wedding insurance companies, which ones stand apart, and how do you know who to trust? We did the homework to help you determine the wedding insurance policy you may want to choose based on your unique and special day.

What Does Wedding Insurance Cover & Why It's Important

No matter how amazing your wedding planner is or how detailed your planning process has been, things happen. A hurricane could tear through the site of your wedding day ceremony and reception and cause you to postpone the date. Guests could fall on a slippery dance floor, holding you liable for injuries. You could have a change of heart, even after putting a huge chunk of money into deposits and vendor payments. What then? 

If you have good wedding insurance, you are covered with liability protection and cancellation or postponement reimbursements. In fact, most venues (up to 75%) require some kind of liability insurance, so investing in wedding insurance is an important task and also gives you plenty of extras, such as covering gifts that are lost or stolen, damaged wedding attire, and protection if vendors go out of business or are no-shows.

As mentioned, there are two kinds of wedding insurance — cancellation and liability — and some policy providers offer a discounted package deal when choosing both. Before we get into the best wedding insurance ranking, here's a quick rundown of what sets these two types of wedding insurance apart.

Liability Coverage

Liability coverage protects you from various scenarios, including injury, property damage, and alcohol-related incidents during the actual hours of your event, which may encompass the rehearsal dinner, wedding ceremony, reception, and sometimes the post-wedding brunch. Policies will pay out for medical bills if guests are injured and protect you from lawsuits that may result. Most wedding venues require you to have this coverage as it also protects them from the same financial responsibilities.

Cancellation Coverage

Cancellation or postponement insurance is typically optional and covers any issue that may arise that would prevent your event from happening on the original date. Maybe you or your spouse-to-be came down with a bad case of the flu, or your wedding venue suddenly went out of business. Some wedding insurance companies will even protect for cases of COVID and situations where the couple has a change of heart. 

Best Wedding Insurance Rankings

4.9 Stars

Best overall pick for price, convenience, quick response time, and comprehensive coverage that goes beyond industry standards

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1

4.2 Stars

Best pick for destination weddings, though you have to commit to cancellation protection as part of the coverage

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2

4 Stars

Best pick for a fully customizable plan with nine different add-ons, though you will have to choose a deductible

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3

3.8 Stars

Best pick for a wide range of wedding activities but is not specialized in wedding insurance and does not offer package discounts

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4

3.9 Stars

Best pick for very small events, but you will have to fill out a lengthy application

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5

3.5 Stars

Best pick for liability and cancellation package discounts, but the website is outdated and has technological issues

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6

Company

1

2

3

4

5

7

Company	Lowest Total Cost (Liability + Cancellation)	Cancel for Any Reason Coverage	COVID-19 Cancellation Coverage	Zero Deductible Claims	Host Liquor Liability Included
1	387.77	Yes	Yes	Yes	Yes
2	$600	No	No	Yes	No (requires extra fee)
3	$553.65	No	No	No	No (add-on)
4	$585.14	No	No	Yes	Yes
5	$555	No	No	No	No (add-on)
7	$433.50	No	No	No	Yes

Comparisons are based on similar coverage across six companies, including $1M/$2M liability for 125 guests, with full coverage for property damage, taxes, fees, and all applicable discounts. The analysis also accounts for zero deductibles and optional coverages such as medical payments (MedPay), cancel for any reason, and host liquor liability.

Our Methodology for Picking the Best Wedding Insurance Companies

To conduct our research, we filled out the informational forms on each provider's website to receive a quote, using the same set of parameters for wedding size, location, and coverage desired to keep results fair and balanced across the board. We filled out multiple forms for each provider using different sets of figures to gauge pricing and coverage for both large and small events.

Our Top Pick for Overall Best Wedding Insurance Company:  BriteCo

If you have jewelry insurance for your engagement rings, there's a chance you may be familiar with BriteCo — they are one of the leaders in the industry, offering coverage for jewelry and watches, especially engagement rings, with no deductibles and an easy claims process. It's for these reasons we also love their newest offering, wedding insurance. 

Even though BriteCo's event insurance is one of the newest kids on the block, we actually find that to be a great advantage. BriteCo brings fresh ideas that improve upon often outdated industry standards, offering modern coverage for modern couples. For example, their illness-related cancellation coverage extends to event postponements due to COVID, and they even have a literally unheard of "cancel for any reason" add-on policy that will reimburse you for payments and deposits made for literally any scenario, even if you and your partner have a change of heart. 

The other thing we appreciate about BriteCo is the quick and seamless process, from getting a policy to filing a claim. Getting insured requires filling out a quick form, and you'll get a quote in 30 seconds without the need to fill out numerous info fields. BriteCo's customer service is also very helpful and responsive when questions arise, and they walk you through the claims process so you are updated along the way. 

BriteCo Wedding Insurance Benefits

• Highly rated by accredited agencies: BriteCo policies are written on A+ Rated paper by A.M. Best Company.
• Zero deductibles: If you have to make a claim, you won't need to pay out of pocket to get your money back (makes sense, right?).
• Venue and planner relationships: With the partnerships BriteCo has in place with wedding venues and planners, it not only provides reassurance but extra discounts, too.
• COVID coverage: If someone in your wedding party comes down with COVID, including you or your spouse-to-be, you'll still be protected through BriteCo's cancellation policies. They are the only provider on this list with COVID protection.
• 'Cancel for Any Reason' protection: A rarity in the event insurance industry. With this add-on policy, there are no questions asked. If you need to cancel your wedding for any reason, you'll be reimbursed for 75% of non-refundable deposits. They are the only provider on this list with this protection.
• Host liquor liability insurance included: With BriteCo liability insurance, you're automatically covered for any alcohol-related incidents at the event. And if you don't need this coverage, BriteCo will apply a credit to our overall premium cost.
• Above standard coverage limits: BriteCo offers up to $10 million in liability insurance and up to $2 million in cancellation coverage, ensuring even the biggest events are protected.
• Bundle discounts: Pair cancellation insurance and event liability coverage, and you'll receive 10% off on the price of your premiums.
• Seamless online portal: The BriteCo process is quick and easy — in 60 seconds, you can get a quote and be covered in just a few minutes thereafter. 

BriteCo Wedding Insurance Drawbacks

• Destination weddings are not covered: If you are planning to get married in Mexico, for example, BriteCo's wedding insurance will not be applicable.
• No coverage outside the US: BriteCo's coverage is only for events within the US and does not extend to cruise-based weddings
• Limited pets are covered: While BriteCo does cover animals that are part of your big day, it only extends to cats and dogs. So, if you're planning to ride down the aisle on a horse, that's out. 

BriteCo

How Much Does BriteCo Cost?

$378.77 (including $1M/$2M liability at $102.60 and $35,000 cancellation at $276.17)

Buy Wedding Insurance with BriteCo

Fill out a short form and get a quote in 30 seconds

CLICK HERE ➝

Best Wedding Insurance Company for Destination Events: Wedding Protector Plan

If you're planning to get away for your wedding day, Wedding Protector Plan is the best wedding liability insurance for destination events. The company covers most US states (with the exception of Alaska, Hawaii, and Louisiana) and also various territories, including Mexico, Puerto Rico, Canada, Bermuda, The Bahamas, Turks and Caicos, The Caribbean Islands (excluding Cuba and Haiti), and the UK. And their loss and damages provisions will cover and recoup any missing luggage, damaged wedding dresses or tuxes, or lost jewelry.

One of the most helpful parts of the website that we found was the fact that Wedding Protector Plan breaks out its coverage options into 10 levels with very clear dollar figures for what it covers — cancellation or postponement, video and photography services, wedding gifts, wedding attire, jewelry, and lost deposits — as well as premium costs for each tier. Even better, there are no deductibles attached to any of the 10 coverage options. The only downside is that you must commit to cancellation/postponement coverage as part of your overall wedding insurance package. 

Wedding Protector Plan coverage is provided by the very respected Travelers Insurance, around since 1864. We also appreciate that there's a 24/7 claims processing center so you can file a claim no matter when the incident occurred.

Wedding Protector Plan Wedding Insurance Benefits

• Trusted reputation: Wedding Protector Plan coverage is provided by Travelers, one of the longest-running insurance companies in the US.
• Great for destination weddings: In addition to covering events in most US States, Wedding Protector Plan also covers events in various parts of the world, including Mexico, Puerto Rico, Canada, Bermuda, The Bahamas, Turks and Caicos, The Caribbean Islands (excluding Cuba and Haiti), and the UK, and there's no additional surcharge for remote locations.
• Helpful coverage tiers: You can choose from 10 different tiers where you can see the coverage limits and the premium costs for each level.
• Host liquor liability insurance is included: If you serve alcohol at your event, you won't be liable for incidents with this automatic part of the coverage plan.
• Coverage may extend to the honeymoon: If your destination wedding extends into your honeymoon, you may be protected — for example, in case anything goes awry with your accommodations.
• Easy claims process: Wedding Protector Plan offers a 24/7/365 claims processing center and helpful customer service representatives who will assist you throughout the process.

Wedding Protector Plan Wedding Insurance Drawbacks

• You must elect cancellation coverage: Most other wedding insurance providers on this list allow you to choose or decline cancellation coverage, but with Wedding Protector Plan, you must elect it even if you don't think you need it or would want to save that money.
• No package discounts: Due to the required cancellation coverage, there are also no beneficial discounts for combining liability and cancellation policies like other providers on this list offer.
• Limited property damage limits: Wedding Protector Plan only covers up to $25,000 for damages as part of its liability coverage; anything above that amount is an additional fee.
• Host liquor liability is not included: Other providers on this list automatically include this protection; with Wedding Protector Plan, you must pay extra.
• Exclusions on what is covered: Wedding Protector Plan will not cover pets or events with live animals.

Protect My Wedding

How Much Does Wedding Protector Plan Cost?

$600 (including $1M/$2M liability at $300.00 and $35,000 cancellation at $300.00)

Buy Wedding Insurance with Wedding Protector Plan

Choose your preferred coverage tier and add personal details to get covered

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Best Wedding Insurance Company for a Customizable Policy: Wedsure

If you've waited until the last minute to buy wedding event insurance and are in a panic leading up to the big day, Wedsure can help you relax with coverage in place as quickly as the night before the ceremony. As one of the veterans in the industry, Wedsure claims to have first created wedding insurance and has a 25-year track record of customizable plans for both event liability insurance and cancellation coverage with a la carte options. 

The A+-rated company offers nine different add-on plans, including mix-and-match coverage for jewelry such as engagement rings, gifts, host liquor liability insurance, cancellation or postponement, loss of deposits, photography and video services, event rentals, wedding attire, and professional counseling. Another customizable feature is the ability to choose your own deductible and reduce your overall premium cost; options start at $25 and go up to $10,000.

Wedsure thrives on a business philosophy of being available any time customers need them. This includes 24/7 claims reporting, providing quotes within 15 seconds, and offering instant certificates of insurance. Current and prospective policyholders can also request a callback from a customer service representative, which we found especially helpful, avoiding the need to wait on hold for the next agent.

Wedsure Wedding Insurance Benefits

• Highly rated by accredited agencies: Rated A+ by Allianz.
• Leader in the field: Wedsure claims to have invented wedding insurance and has a 25-year track record.
• Nationwide coverage: Wedsure provides comprehensive coverage in all 50 US states.
• Flexible deductibles: If you must pay a deductible, at least you can choose your amount with Wedsure, starting at $25. 
• Customizable policies: Rather than a one-fits-all umbrella of liability and cancellation coverage, Wedsure allows you to choose coverage on an a la carte basis with nine different options you can add on.
• Quick response times: In addition to a 24/7 claims reporting system, Wedsure offers quotes within 15 seconds and has a callback form rather than waiting on hold for a customer service representative.
• Coverage as soon as the night before: If you waited until the last minute to secure a policy, Wedsure can put a plan in place in less than 24 hours.

Wedsure Wedding Insurance Drawbacks

• Deductibles apply: Unlike other providers on this list that offer zero deductibles, Wedsure does apply a deductible when you make a claim.
• No package discounts: Unlike other providers on this list, Wedsure does not offer discounts for combining liability and cancellation coverage.
• Exclusions on what is covered: Wedsure will not cover pets. It also does not cover any post-wedding brunch (just the traditional ceremony, reception, and rehearsal dinner).
• Setup and breakdown are not included: A Wedsure liability policy does not cover any issues that may arise during the setup or breakdown of your event. This is a crucial time when venue damage or injury can happen.
• Medical payments coverage is expensive: Wedsure quotes $125 for up to $10,000 in medical bill payouts, which is more than double a company like BriteCo that offers the same protection for $50.

Wedsure

How Much Does Wedsure Cost?

$553.65 (including $1M/$2M liability at $125.00 and $35,000 cancellation at $428.65)

Buy Wedding Insurance with Wedsure

Get a quote in 15 seconds after filling out a short form

CLICK HERE ➝

Best Wedding Insurance Company for a Wide Range of Wedding Activities: Eventsured

From the bachelorette party to the rehearsal dinner to the ceremony to even the anniversary festivities down the road, Eventsured covers it all. The 20-year-old business protects hundreds of events, which means it might take a while to find your specific type of occasion from the dropdown list on the company website — but once you do, it's a pretty seamless experience to secure both liability and cancellation coverage. 

You simply need to select your event type, location, date, and party size, add some quick personal info, and you'll get an instant quote. If you need more time to decide, you can also save your quote and quickly reference it with the unique number ID and your email address to restart the process where you left off. The same goes if you want to manage your policy and add additional coverage — just enter your certificate number and email address and you'll access your dashboard to make any changes.

What we like about Eventsured is that the company is transparent about the people behind the process. They list their team members and email addresses if you want to connect with real humans at the company about a claim or any questions you may have. This adds one more layer of security and the capability for customizing your insurance plan.

Eventsured Wedding Insurance Benefits

• Highly rated by accredited agencies: Rated A++ by A.M. Best Company.
• Zero deductibles: If you have to make a claim, you won't need to pay out of pocket to get your money back (makes sense, right?).
• Nationwide coverage: Eventsured provides comprehensive coverage in all 50 US states.
• Solid reputation: Eventsured has been in the business for more than 20 years. 
• Protects a wide range of events: For weddings, that means everything from the bachelorette party to the rehearsal dinner in addition to the ceremony itself.
• Connect with real humans: The company lists its team members and their email contact info if you need to get in touch.
• Quick process: You can get insured in under five minutes via a six-step process — adding basic event details, choosing coverage options, answering eligibility questions, making a payment, receiving policy documents, and finally, enjoying the event.

Eventsured Wedding Insurance Drawbacks

• Default coverage may be insufficient: Eventsured pricing changed dramatically when we analyzed coverage terms that were the same as other competitors. We were also concerned their default coverages may not have been sufficient for some venues.
• Not specialized in wedding insurance: While Eventsured may cover many wedding activities, weddings are not their only focus like other companies on this list.
• It's a "non-admitted" product: This means Eventsured policies aren't officially licensed in your state. While it's still legitimate, there's less consumer protection if something happens to the company (like how the FDIC protects you if something happens to your bank).
• No package discounts: Unlike other providers on this list, Eventsured does not offer discounts for combining liability and cancellation coverage.
• Setup and breakdown are not included: An Eventsured liability policy does not cover any issues that may arise during the setup or breakdown of your event. This is a crucial time when venue damage or injury can happen.
• Exclusions on what is covered: Eventsured will not cover pets or events with cannabis or temporary structures.
• Medical payments coverage is expensive: Eventsured quotes $93 for up to $10,000 in medical bill payouts, which is nearly double a company like BriteCo that offers the same protection for $50.

Eventsured

How Much Does EventSured Cost?

$585.14 (including $1M/$2M liability at $216.95 and $35,000 cancellation at $368.19)

Buy Wedding Insurance with Eventsured

Complete a six-step process and get insured in under 5 minutes

CLICK HERE ➝

Best Wedding Insurance Company for Very Small Events: Event Helper

When purchasing insurance, you can always feel good about a solid guarantee. Event Helper's comes in the form of venue acceptance: The company guarantees its wedding liability insurance meets 99.5% of a venue's insurance requirements — if not, they'll give your money back. 

What we really appreciate about Event Helper's online form is that there are just four fields to fill out to receive a quote (the type of event, total days of coverage, wedding size, and the state where the event is taking place), and you can see policy premiums change in real-time as you change the parameters for coverage. So, there's no need to add personal details or wait for an emailed quote to decide if these wedding insurance providers are right for you. 

The other helpful tool is being able to see a sample certificate of insurance before you continue to the agreement and add payment details. But once you do decide Event Helper is your personal best company for wedding insurance, just be prepared for a bit of a lengthy process. They have quite a long application with numerous questions to answer to get your plan in place.

If you have a smaller wedding and more intimate wedding party, Event Helper is also ideal as they offer the most competitive prices for boutique events. 

Event Helper Wedding Insurance Benefits

• Venue guarantee: Event Helper guarantees that its policies meet 99.5% of venue requirements, or you'll get your money back.
• Ideal for small weddings: If you have a more intimate wedding party, Event Helper is one of the best event insurance for weddings of this size, as they offer reduced rates for smaller groups.
• Full transparency: The website's short form lets you change variables and see your rate in real-time; you can also see a sample certificate of insurance before proceeding.
• 100% paperless: You won't have to worry about where you left your certificate of insurance lying around the house. With Event Helper, everything is safely stored in your online portal. 
• Quick email response time: If you email the company for more details or to answer questions, Event Helper promises a response in less than an hour.
• Medical payments coverage included: The company automatically offers up to $5,000 coverage with your policy.

Event Helper Wedding Insurance Drawbacks

• Lengthy application: Event Helper has the longest application process and questions to answer of any provider on this list. 
• It's a "non-admitted" product: This means Event Helper policies aren't officially licensed in your state. While it's still legitimate, there's less consumer protection if something happens to the company (like how the FDIC protects you if something happens to your bank).
• Deductibles apply: Unlike other providers on this list that offer zero deductibles, Event Helper does apply a deductible when you make a claim.
• No package discounts: Unlike other providers on this list, Event Helper does not offer discounts for combining liability and cancellation coverage. 
• Exclusions on what is covered: Event Helper will not cover pets or events with cannabis or overnight activities.

How Much Does Event Helper Cost?

$555 (including $1M/$2M liability at $133.00 and $35,000 cancellation at $422.00

Buy Wedding Insurance with Event Helper

Fill out a short form and see your premium quote in real-time

CLICK HERE ➝

Best Wedding Insurance Company for Biggest Package Discounts: WedSafe

If you're looking to bundle liability insurance and event cancellation coverage, WedSafe is one of the best wedding event insurance companies for a package discount, offering a 15% savings when you combine the two, reducing your overall wedding insurance cost.

While the website does feel a bit outdated, and there's even a notice for Safari and iPhone/iPad customers regarding issues loading the site using those platforms, we did take comfort knowing WedSafe has prominent backings. Coverage is provided via Aon insurance division Aon Affinity, and WedSafe has partnered with reputable companies including Amica and AAA Hosier Motor Club.

The online form is pretty seamless, though there are quite a few fields to fill out to receive your quote. However, one feature we found helpful is WedSafe's two-minute webinar video that explains everything about wedding insurance; it provides a much easier and more interactive option than simply reading a list of benefits. 

There's also a strong convenience factor to WedSafe services. The company promises to pay out on claims before coordinating with any other insurance protection you may have. And they will email or mail certificates of insurance directly to your wedding venue, saving you one less step in the wedding planning process.

WedSafe Wedding Insurance Benefits

• Coverage discounts: If you're looking to combine liability and cancellation insurance for your wedding, WedSafe offers a competitive 15% discount on your total premium cost.
• Strong industry backings: WedSafe insurance is provided via Aon division Aon Affinity, and WedSafe has partnered with reputable companies such as Amica and AAA Hosier Motor Club.
• Educational tools: On the website, you can find a two-minute webinar video offering key highlights on what makes wedding insurance so valuable.
• Coordination with your wedding venue: WedSafe will email or mail your certificate of insurance directly to the venue, saving you one big step in the process.
• Quick and easy coverage: After filling out a standard form and getting your quote, you can be insured in just a few minutes — up to and including your wedding day.
• Sample policies available: Download sample liability and cancellation policies before you buy them to see exactly what the terms are before committing. 

WedSafe Wedding Insurance Drawbacks

• Outdated online portal: WedSafe's website appears very dated and has notices for technological issues on several browsers.
• Deductibles apply: Unlike other providers on this list that offer zero deductibles, WedSafe does apply a deductible when you make a claim.
• Exclusions on what is covered: WedSafe will not cover pets or events with live animals.
• Medical payments coverage is expensive: WedSafe quotes $100 for up to $10,000 in medical bill payouts, which is double that of a company like BriteCo that offers the same protection for $50.

How Much Does WedSafe Cost?

$433.50 (including $1M/$2M liability at $199.75 and $35,000 cancellation at $233.75)

Buy Wedding Insurance with WedSafe

Fill out a short form to receive a quote and get insured within minutes

CLICK HERE ➝

Vow to Get Wedding Insurance and Guarantee Peace of Mind on Your Big Day

For one of the most significant events of your life, it pays to be protected. With our top pick for best wedding insurance, BriteCo, you can get trusted coverage that will safeguard you from any liabilities or lost deposits in the case of event cancellation or postponement — all for less than $400 a month. It's the wedding gift that keeps on giving for you and your future spouse.