Does Homeowners Insurance Cover Weddings?

A wedding is a very special day. But if something goes wrong, it could ruin not only the day, but also your finances.

That’s why it’s important to understand what your homeowners insurance policy covers – and doesn’t cover – when it comes to weddings.

A standard homeowners insurance policy provides general event coverage, including a wedding, with some exclusions.

Liability and personal property coverage apply on your property, as long as you aren’t selling alcohol, breaking laws, selling alcohol, or disobeying any terms outlined in your homeowners policy.

Does homeowners insurance cover wedding guests?

If your wedding is held at your home and someone is injured on your property, your homeowner’s insurance policy may provide coverage.

Most homeowners policies will cover damages caused by you or your guests during the wedding, but there are some limitations.

Most policies will not cover damages caused by guests who become intoxicated and cause property damage or injure themselves.

Liquor liability insurance is typically required to cover these types of risks.

Exclusions

Sometimes homeowners insurance will have exclusions, for example, the wedding has to be at the family home.

A homeowners insurance policy will also not provide coverage if the wedding is business related and something you do for financial gain.

Rules or requirements for weddings held on your property

Check with your insurance agent or company to see if they have any specific rules or requirements for weddings that are held on your property.

Some companies may require you to purchase additional liability insurance in order to be fully covered.

It may be more effective to purchase a freestanding wedding liability policy that won’t affect future homeowners’ policy premiums in the event of a wedding claim.

Riders

Some homeowners insurance carriers offer riders or to get the right insurance coverage for a wedding on your property.

Theft

Ask your homeowners insurance company if theft during the wedding is covered. Accidentally destroyed gifts may also be covered.

What is wedding insurance?

It may be more effective to purchase a freestanding wedding liability policy that won’t affect future homeowners’ policy premiums in the event of a wedding claim.

Wedding insurance is a type of event insurance that protects against financial losses due to cancellations, weather events, vendor no-shows, and other unforeseen circumstances.

It’s typically purchased by couples getting married, but can also be bought by parents or other family members helping to pay for the wedding.

There are a few different types of coverage available through wedding insurance policies.

The most common is cancellation/postponement insurance, which reimburses you for non-refundable deposits and other expenses if you have to cancel or postpone your wedding due to an unforeseen event.

Other types of coverage may include:

  • Lost deposits
  • Additional expenses associated with rescheduling
  • Weather damage
  • Vendor no-shows
  • Illness or injury
  • Military deployment
  • Damaged wedding attire
  • Lost or stolen gifts

Wedding insurance is not required, but it can give you peace of mind on your big day!

If you’re wondering whether you need wedding insurance, ask yourself how much you’re willing to risk.

If even the thought of something going wrong on your wedding day makes you anxious, wedding insurance may be worth the investment.

Additional Insured

Some wedding venues may need to be an “additional insured” on the liability coverage for the wedding. This is not available with a homeowners insurance policy.

However, a wedding insurance policy will help you meet this wedding liability requirement.

Wedding insurance cost

Wedding insurance is designed to protect you from the high costs of unexpected event cancellations, damages, or other problems that could ruin your big day.

But how much does wedding insurance actually cost?

The average cost of wedding insurance is around $550, but this can vary depending on a number of factors, including the size and location of your wedding, the type of coverage you need, and the deductible you’re willing to pay.

Some wedding insurance policies will cover things like cancellations due to bad weather, lost deposits, damage to the venue, or even theft.

Others may only cover cancellations or postponements. And some policies may not cover anything at all beyond liability protection.

So be sure to read the fine print before you buy a policy to make sure it covers what you need it to. And remember, the cost of wedding insurance is a small price to pay for peace of mind on your big day!

Homeowners insurance wedding coverage FAQs

Is a wedding ring covered under homeowners insurance?

Most homeowners insurance policies will cover your wedding ring if it’s stolen, lost, or damaged. However, there may be limits on how much coverage is available and you may have to pay a deductible. If you’re concerned about your ring, you can always purchase additional insurance to cover it.

What does wedding vendor insurance cover?

Couples should ask contracted wedding vendors for proof of insurance and liability limits. Only consider hiring a wedding vendor that is insured.

Do you need a permit to host a backyard wedding?

Your state or municipality may require a permit to host a wedding on your property. Check with your local authorities and make sure to obtain the permit in advance. Permit processing may take over a month to obtain, so look into this early in the wedding planning process.

What is event insurance?

Event insurance is a type of insurance that provides protection for your wedding in the event that something goes wrong. It can cover things like cancellations, weather-related damages, and even personal liability. Event insurance is not required, but it can give you peace of mind on your big day.

What is homeowners insurance?

Homeowners insurance is a type of property insurance that covers a private residence. It is an insurance policy that combines various personal insurance protections, which can include losses occurring to one’s home, its contents, loss of use of the home, or loss of other personal possessions of the homeowner.

The Bottom Line

There are a few things to keep in mind when it comes to deciding whether or not homeowners insurance will cover your wedding. Ultimately, it depends on the specifics of your policy and what kind of coverage you have. However, if you’re worried about potential damages or accidents, it might be worth getting separate wedding insurance for your big day.