Wedding Insurance Calculator
Estimate wedding insurance coverage needs and costs based on your total investment, venue requirements, and risk factors.
Results
Visualization
How It Works
Wedding insurance typically costs $150-$600 and covers $15,000-$100,000+ in losses. About 35% of couples purchase wedding insurance, and most venues require liability coverage.
The Formula
Cancellation Premium ~ 1-2% of coverage
Liability Premium ~ $185 base + $75 for alcohol
Weather Coverage ~ 0.5-1% of outdoor costs
Liability Premium ~ $185 base + $75 for alcohol
Weather Coverage ~ 0.5-1% of outdoor costs
Variables
- Coverage — Maximum payout if a covered event occurs
- Premium — Annual cost of the insurance policy
- Deductible — Amount you pay before insurance kicks in (typically $0-$500)
Example
A $30,000 wedding: Cancellation premium ~$450, Liability ~$260 (with alcohol), Total ~$710 to protect your full investment.
Tips
- Buy insurance as soon as you place your first deposit
- Most policies exclude cold feet — they cover illness, weather, vendor bankruptcy
- Liability insurance is often required by venues and costs only $150-250
- Outdoor weddings should always add weather coverage
- Read the fine print — know exactly what is and is not covered