Refund of cancelled wedding?

Hi all,



My fiance and I are considering a plan B for our Nov 15th wedding in northern Maryland since we are concerned of second wave shutting things down again, and of course we won't know until VERY close to our wedding date and I am concerned of having to pay the rest of our venue in July and not knowing if we will get it back if we cancel.
Truth is, I don't want to wait another 1-2 years just to have our wedding at that specific venue. I am opting for a big backyard wedding in Sept instead since the second wave will likely come back later in the fall. My fiance is not worried about this and it's frustrating to think we could lose the money. We did not purchase insurance yet.
Has anyone cancelled with their venue completely and gone anywhere else? If so, have you lost your money paid?