Wedding insurance? Pros and cons.

We did not. I was willing to just roll with whatever came our way.

The alcohol issue never crossed my mind. I assumed our friends are old enough (and smart enough) to take care of themselves.

Any advice or comments would be greatly appreciated!

Thanks a million.

My take on wedding insurance is that it's helpful for all kinds of things besides alcohol. What if your venue goes bankrupt? Your dress is stolen? Not to be a debbie downer, but all kinds of things can happen, and for the cost of insurance, which is not a lot, you'll be covered.

Thanks girls.

Celia, that kind of info is exactly what I was looking for. Without looking into it, I would have never thought of the bankruptcy or Dress. I mean they're extreme circumstances, but they are a possibility.

I just want to say I'm from Ontario Canada too, where abouts in Ontario are you? I'm still on the fence about wedding insurance and in the grand scheme of things it's pennies compared to what you could lose .Why don't you arrange something with Keys R Us?

I forgot natural disasters, lol.....seriously; we got so much snow this year that several of my couples couldn't get to their dresses, licenses, venues. With hurricane Irene, , the entire Jersey shore closed, and venues couldn't hold weddings even if they wanted to.

The important thing is to make sure that your coverage includes things you're worried about AND things you never thought of.

My insurance contract with wedsure was about 450$. That covers 1 mil in liability, 10k in cancellation, 3000 in gifts, 8500 for jewelry, 7500 for loss of vendor deposits, 1200 for photos, 12k for the dress, and i entered all of those amounts based on what value each one had. It doesnt cover injuries that arise from sports, bounce houses or other movement toys, abuse or attacks, cars, nuclear war, or fireworks. The deductible for the dress and jewelry is 250, and the deductible for property damage is 1k.

My insurance was around 275 with markel- its event and liability insurance.

My wedding will be in TO Ontario at the start of august. I'm not getting wedding insurance. To be honest I had never heard about it before.

If I just get the 1 million in liability that my venue requires it is only $125. That covers anything happening at the venue and it covers issues that could be related to alcohol once the guests leave the premises.

Great information, thanks ladies.

@Laura M, I am in Ottawa.