How Much Is Wedding Insurance?

Short answer to How Much is Wedding Insurance? – It can start at $75.

However, the question “How Much is Wedding Insurance?” should probably be rephrased to “How much is Wedding Insurance for the coverage I need?”

Costs can vary from insurer to insurer due to different coverage limits and endorsements. On top of that, Wedding Insurance (also known as Special Event Insurance), can comprise of liability, property damage, cancellation and weather related coverages, greatly affecting the price. Finally, before purchasing a policy, check your venue’s requirements to ensure that all the requirements are being met, including the need for Waiver of Subrogation and/or Primary Noncontributory endorsements, among others.

In an attempt to answer the original “How Much Is Wedding Insurance?” question, please see the below:

When it comes to the different coverages, liability and property damages are usually the minimum requirement for all wedding couples/policies. With this said, below is a list of insurers and their pricing. In order to make the below comparison as ‘apples to apples’ as possible, the below criteria was used:

$1 million / $2 million (occurrence/aggregate) liability limits
150 guests
1 day wedding in California
Excludes taxes/fees
Cancellation coverage option was not chosen/included
Host liquor is included by all the carriers

There were two standouts as listed below:

Cost of Wedding Insurance in 2024 By Various Insurers:

Top Choice: GatherGuard

$125
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

Top Choice: Specialinsurance.com

$210
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

FLDean

$430
Damage to rented premise limit: $300,000
Medical expense limit: $0
Waiver of Subrogation Endorsement: Unclear
Primary Noncontributory Endorsement: Unclear

Allstate/GEICO/Progressive/USAA*

*All listed insurers redirect to a third party insurer and do not provide coverage themselves. Coverage not available in CA.
$310
Damage to rented premise limit: $1 million / $2 million (occurrence/aggregate)
Medical expense limit: $5,000
Waiver of Subrogation Endorsement: Yes
Primary Noncontributory Endorsement: Unclear

Travelers

$375
Damage to rented premise limit: $250,000
Medical expense limit: Unclear
Waiver of Subrogation Endorsement: Unclear
Primary Noncontributory Endorsement: Unclear

WedSafe

$235
Damage to rented premise limit: Unclear
Medical expense limit: $0
Waiver of Subrogation Endorsement: Unclear
Primary Noncontributory Endorsement: Unclear

Wedsure

$280
Damage to rented premise limit: Unclear
Medical expense limit: $5,000
Waiver of Subrogation Endorsement: Yes
Primary Noncontributory Endorsement: Unclear

Eventsured

$213
Damage to rented premise limit: $300,000
Medical expense limit: $5,000
Waiver of Subrogation Endorsement: No
Primary Noncontributory Endorsement: No

Event Helper

$200
Damage to rented premise limit: $100,000
Medical expense limit: $5,000
Waiver of Subrogation Endorsement: Yes
Primary Noncontributory Endorsement: No

Ewed

$345
Damage to rented premise limit: Unclear
Medical expense limit: $5,000
Waiver of Subrogation Endorsement: Yes
Primary Noncontributory Endorsement: Yes

Thimble

$244
Damage to rented premise limit: $100,000
Medical expense limit: $5,000
Waiver of Subrogation Endorsement: Yes
Primary Noncontributory Endorsement: Yes

OneDayEvent

$262
Damage to rented premise limit: $1M
Medical expense limit: $5,000
Waiver of Subrogation Endorsement: Yes
Primary Noncontributory Endorsement: Yes

In conclusion, navigating wedding insurance costs from different carriers is essential to make the right decision. Understanding the nuances of wedding insurance costs ensures you secure the right coverage at the best value.

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.