Wedding Insurance

So I've asked a question similar to this one before but I need to touch up on it again. My venue requires wedding insurance and highly recommends Wedsure. I've seen a lot of brides here saying liability insurance is a must especially if you're serving alcohol. We are not serving alcohol but I still want to have that coverage incase something crazy happens. I don't even know how to go about what to pick. Even though there are no wedding insurance companies that cover Covid-19 related cancellations, I do want cancellation insurance because Florida weather is unpredictable. Especially during September. These questions might be ridiculous but how much should I put for "Cancellation / Postponement Coverage Limit" and Additional Expense Coverage Limit? Our wedding budget is 12,000 so should I match that or go higher? With the Liability & Cancellation plan, it came out to $318. Would I be paying too much?