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Wedding Insurance Cost Comparison

Wedding (and Special Event) insurance can start at $75, however costs can vary from carrier to carrier due to different coverage limits and endorsements. 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.

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/event in California (prices are similar for most other types of special events)
  • Excludes taxes/fees
  • Cancellation coverage option not included
  • Host liquor is included by all the carriers


Cost of Wedding and Event Insurance 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
Deductible: $1,000
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
Deductible: None
Free quote feature available


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
$Unclear
Damage to rented premise limit: Unclear
Medical expense limit: Unclear
Waiver of Subrogation Endorsement: Unclear
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 for informed decisions. Understanding the nuances of wedding insurance costs ensures you secure the right coverage at the best value. Choose wisely to strike the perfect balance between comprehensive coverage and affordability. Your peace of mind on this joyous occasion is worth the consideration of wedding insurance costs.

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.

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