Event Insurance Showdown: Wedsure vs Wedsafe
Use the widget below to compare all event insurance providers, not just Wedsure vs. Wedsafe.
Mitigating risk with wedding event insurance can offer peace of mind amidst the whirlwind of planning and celebration. Understanding the nuances of event insurance is crucial for couples soon to tie the knot. As we delve into the world of special event insurance, two insurers are commonly mentioned: Wedsure and Wedsafe.
Although this post focuses on Wedsure vs Wedsafe, it is important to note that there are many other options out there. Both have ranked low on Eventguardian’s 2025 event insurance rankings and for good reasons.
Wedsure vs Wedsafe: Coverage Options
In navigating the realm of event insurance, two primary coverage types emerge as pivotal: liability insurance and cancellation coverage.
Liability insurance is the safeguard against accidents that might occur during the wedding, including guest injuries or property damage.
On the other hand, cancellation coverage is the financial safety net that reimburses prepaid expenses if the wedding has to be canceled or postponed.
Wedsure Coverage Options:
- Liability Insurance: Offers protection against potential mishaps that could occur during the wedding event, such as property damage or guest-related accidents.
- Cancellation Coverage: Covers unforeseen events leading to cancellation or postponement, including severe weather and vendor no-shows.
- Additional Options: Includes unique offerings like jewelry and gift protection, and notably, a ‘Change of Heart’ add-on, which is a rare find in the industry.
WedSafe Coverage Options:
- Liability Insurance: Similar to Wedsure, WedSafe provides coverage for accidents.
- Cancellation Coverage: Offers a range of limits from $7,500 to $175,000 with a nominal $25 deductible per category, allowing for flexibility based on the scale and budget of the wedding.
Both providers cater to last-minute needs, allowing policies to be purchased up to the day of the wedding.
Wedsure vs Wedsafe: Pricing and Packages
Wedsure’s Pricing and Packages:
- Liability Insurance: Begins at $125 and comprehensively covers all four major wedding events: Rehearsal, Dinner, Reception, and Ceremony.
- Cancellation Coverage: This includes not only the standard cancellation reasons like severe weather but also extends to unique situations such as ‘Change of Heart’.
- Additional Coverage: You can opt for extras like jewelry and gift protection, and even professional counseling if it results from an insured cancellation, providing a safety net for nearly every aspect of your big day.
WedSafe’s Pricing Structure:
- Liability Insurance: Begins at $235 and known for its robust liability coverage, including host liquor liability, which is essential if alcohol is served. This coverage can be purchased up to the day of the wedding, offering flexibility for even the most last-minute of decisions.
- Cancellation Coverage: Features a range of limits to cater to different scales and budgets of weddings, with a nominal deductible, ensuring that you’re only paying for the coverage you need.
When considering the cost of wedding insurance, it’s essential to keep in mind that prices can vary significantly based on several factors. These include the number of guests, the types of coverage selected, deductibles, and policy limits. While a basic liability policy may start at $75, more extensive cancellation policies can exceed $1,000.
User Experience and Accessibility
Wedsure – Not great
Wedsafe – Terrible. Just don’t and save your sanity!
Alternative Insurers
Be sure to check your venue’s insurance requirements before securing a policy!
GatherGuard
Starting damage to rented premise limit: $250,000
Medical expense limit: Not included
Waiver of Subrogation Endorsement: No
Primary Noncontributory Endorsement: No
Free quote feature available
SpecialInsurance.com
Starting damage to rented premise limit: $300,000
Medical expense limit: $5,000
Waiver of Subrogation Endorsement: Yes
Primary Noncontributory Endorsement: Yes
Free quote feature available
Coverage can extend beyond midnight depending on state liquor laws, in which case only 1 day of coverage is required
A full list of insurers is available at Eventsguardian.
Disclaimer: The materials available on this site are for informational purposes only and should not be construed as advice or guarantees on any subject matter. The opinions and statements expressed through this site are the opinions of the individual author and may not reflect the opinions of JAUNTIN’. This blog contains general information which may not be current or accurate. For specific questions about insurance and any requirements, please contact your insurer directly.