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Do you need Wedding Day Insurance when getting married in Iowa or Nebraska?

Wedding day insurance may seem like an unnecessary expense, until it isn't. Your wedding day is one of the most significant events in your life. However, unforeseen circumstances can arise that may disrupt your special day. Understanding the ins and outs of wedding day insurance is essential for a stress free celebration. Let's take a look at the benefits, typical cost, coverage details and exclusions of wedding day insurance.

wedding day insurance can protect big investments like your wedding ceremony
So much time and money goes into planning a wedding. Everyone should consider wedding day insurance to protect their investment. Photo by Snapshots By Kaley Schlueter

Benefits of Wedding Insurance

Wedding day insurance offers peace of mind by providing financial protection against unexpected events that could disrupt or cancel your wedding. From vendor no-shows to extreme weather conditions, having insurance can help you recoup costs and reschedule your day with out breaking the bank. Additionally, some policies may cover other related expenses related to damaged attire or unforeseen medical emergencies, ensuring that you can focus on celebrating your love without worrying about the what-ifs.

Typical Cost of Wedding Day Insurance in Iowa & Nebraska

The cost of wedding day insurance in Iowa varies depending on factors such as the coverage amount, location, and additional options chosen. On average, couples can expect to pay anywhere from $100-$1000 for a basic policy. While it may seem like an unnecessary additional expense, the investment can save you from significant financial losses and is relatively inexpensive when you consider the total cost of your wedding.

What Wedding Day Insurance Covers

Wedding day insurance typically covers a wide range of scenarios, including damage to the venue, venue cancellations, vendor mishaps, extreme weather disruptions, illness or injury to key individuals, and damage to essential items like attire and rings. Some policies also include liability coverage for accidents or injuries that occur during the event. By understanding what your policy covers, you can tailor it to meet your specific needs and ensure comprehensive protection for your wedding day.

What Wedding day insurance doesn't cover

While wedding day insurance offers valuable protection, there are certain exclusions to be aware of. Common exclusions may include pre-existing conditions, change of heart, and intentional acts of misconduct. Additionally, coverage for certain high risk activities, like sparklers, may not be included in standard policies. It's essential to review the policy details carefully and discuss any specific concerns or requirements with your insurance provider to avoid any surprises on your big day.

When do you need Host Liquor Liability Coverage?

If you plan to have alcohol served at your wedding then it's crucial to include Host Liquor Liability coverage as part of your policy, even if your wedding venue has a liquor license and appropriate insurance coverage. It doesn't matter if you decide to have a cash bar or an open bar, you are still considered providers if you make the decision to offer alcohol. Host liquor liability coverage can protect you from potential lawsuits or claims related to alcohol-induced accidents, injuries, or property damage.

Further to this, you are jointly responsible with the venue to make sure the facility is safe for sober and intoxicated guests at all times. More lawsuits are brought against couples for unsafe conditions than for alcohol-related injuries. Venues, like us, have their own insurance coverage, and you should too.

Steps to Lower Risks

There are several steps that you can take to lower your risks when serving alcohol at your wedding reception. A good amount of food should be served throughout the evening. A late night snack is a great idea. It serves the purpose of ensuring that your guests are not drinking on an empty stomach.

Think about having a cooling-off period at the end of the night. Stop the bar service with enough time to allow your guests time to munch on snacks and rehydrate before having to leave the venue.

Take transportation out of the equation and have guests brought to and from the venue by a shuttle bus. Or have some taxi/Uber/Lyft vouchers available for intoxicated guests and make arrangements with your venue that cars can be left overnight. Make sure to check and see what time the cars need to be picked up by the following day.


Investing in wedding day insurance is a smart decision that can provide invaluable protection and peace of mind for your special day. By understanding the benefits, cost, coverage details, and exclusions, you can make informed decisions to safeguard your wedding celebration. Having the right insurance coverage can help you focus on creating lasting memories with your loved ones without worrying about the unexpected.

Need insurance for your wedding?

Check out these Wedding Day Insurance Providers: (for destination weddings)

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