Question 1

Does my homeowners or renters insurance cover my wedding?

Accepted Answer

Typically only partially. A standard homeowners policy may cover stolen wedding gifts under personal property (subject to your deductible), but it does not provide event liability, vendor failure coverage, or event cancellation reimbursement. A dedicated wedding insurance policy fills these gaps at modest cost — often less than a single floral arrangement deposit.

Question 2

When should I buy wedding insurance?

Accepted Answer

As early as possible — ideally when you book your first vendor or pay a deposit. Most policies can be purchased up to 2 years before the event. Some cancellation policies require purchase before any indication of a covered loss exists, so waiting until a vendor appears financially troubled may result in denial for that specific risk.

Question 3

What does cancellation coverage actually pay for?

Accepted Answer

It reimburses non-refundable, pre-paid expenses — deposits on the venue, caterer, florist, photographer, DJ, officiant, formal wear rentals, and hotel room blocks — when cancellation or postponement is caused by a covered reason such as extreme weather, serious illness of a key person, vendor insolvency, or military deployment. Cancellation due to changed minds is not covered.

Question 4

Do venues in California require wedding insurance?

Accepted Answer

Most professional event venues in California and Nevada require event liability coverage of at least $1,000,000 per occurrence, often with the venue named as an additional insured. This is typically a simple endorsement on a wedding policy. You'll usually need to provide a certificate of insurance before the final venue contract is signed.

Wedding Insurance

Quick Answer

Meet the venue’s insurance request

Identify alcohol and vendor arrangements

Discuss cancellation and committed expenses

Keep the application straightforward

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