Wedding insurance typically costs 1-3% of your total budget. Liability-only policies start around $100-200, while comprehensive coverage runs $300-800 for a $30,000 wedding.
If your wedding costs over $10,000, insurance is strongly recommended. It protects against vendor no-shows, weather cancellations, and liability claims that could cost thousands.
Cancellation insurance reimburses non-recoverable deposits and expenses if your wedding is postponed or cancelled due to severe weather, vendor bankruptcy, military deployment, or illness.