When two people become engaged, the first question is: Will you marry me? It is a moment you will remember for the rest of your life. Following the excitement, the next question to ask is: Do we need wedding insurance? There are plenty of other things to think about when it comes to a wedding, such as colors, music, food and the bridal party. Before those thoughts come into play you should seriously consider getting wedding insurance. Here are a few reasons why: 

  • Someone important suddenly cannot attend: Even though the bride and groom are the most important members of the wedding party, if they get cold feet, the wedding won't be covered. However, if either of them become seriously ill or if there is a death in the family and the wedding must be postponed, insurance will cover the costs. Some policies even cover unforeseen absences, such as the bride or groom being called away for military service.
  • Someone is injured at the wedding: Most policies will cover injury at the wedding or even if someone gets into an accident driving away from the ceremony. However, policies won't cover you in all scenarios. Be sure to read over your policy to ensure there are no surprises. 
  • Your event hall goes out of business or something is broken/stolen: If the reception hall you booked is suddenly going out of business, something is broken at the reception, or your gifts are stolen while you are giving the toast, insurance could be a life-saver.
  • Unexpected weather: Any weather conditions preventing the bride, groom, or relative from arriving at the wedding, insurance may cover the costs of rescheduling. This includes replacement flowers, tent rental and reception food. 
It is important to think about what kind of wedding you want to have, and if insurance could be a necessity. You're better safe than sorry; a few hundred dollars for wedding insurance could potentially save thousands if something were to go wrong. 


Thank you for visiting our blog. Hopefully you came away with some great home insurance and safety tips. Keeping your family and home safe and protected is job one at Florida Peninsula Insurance Company. We are one of Florida's largest homeowners insurance companies offering multi-peril policies covering homes, condos, and renters insurance. For more information, or to get a quote, please call (877) 229-2244.