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

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