Rehearsal dinners are not always covered but can sometimes be added to the policy. If a venue doesn't have its own insurance, liability insurance is a must because you do not want to be held responsible for any accidents–– especially if you're having alcohol at your wedding. This could protect you if a guest was injured, the venue was damaged, or there is an alcohol-related incident," Lauro explains. What does wedding liability insurance do? "Liability insurance protects you against financial liability arising from your wedding required by many venues. You cover your car, your house and have health insurance, so your wedding should be covered too," McDonald says. McDonald advises getting insurance for a wedding is worth it since it protects the host or hostess of the event. Keep in mind that these items may be subject to your policy's deductible. You can purchase engagement ring insurance separately or see if it's covered by your existing homeowners or renters insurance. While the policy may cover your wedding rings, your engagement ring probably will not fall under the same coverage. Watches, jewelry or semiprecious gemstones or pearls (even if they are attached to clothing) may not be covered. (Kerri McDonald, CPCU and director of operations for Wedsure, says Wedsure offers change of heart coverage, but it has to be purchased about 15 months in advance.) What Wedding Insurance (Typically) Doesn't CoverĪ change of heart.
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