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Wedding Insurance Coverage: What’s NOT Covered?


Wedding Insurance does not usually cover cold feet.
(Photo credit: Shelley Panzarella on

I’m not even going to pretend that the wedding insurance covers just about everything that can go wrong in your wedding—it won’t! Otherwise, insurance companies would go virtually bankrupt, wouldn’t they? Wedding insurance will cover most of the uber-important stuff that you can’t afford to go wrong during your wedding.  But still, there are some things that your policy will most likely not cover.

Your insurance policy will probably not cover cold feet or a change or heart.  In other words, if you break up and call off the wedding, your wedding insurance will probably not pay for the claim.  There are, however, exceptions to this, such as if the husband doesn’t arrive because of unpaid dowry.

And while your wedding insurance will most likely cover the wedding rings, don’t expect it to cover the engagement ring as well. It is, after all, not directly connected to the expenses of the wedding celebration.

You might also want to check the lost or damaged gifts that will be covered by the insurance policy. Some gifts, such as watches, jewelry, pearls, and precious gemstones, will not be covered by the insurance policy. Again, there are exceptions to this, such as if you have taken concrete steps to keep it secure like putting them in a safe. Also, certain valuable gifts will only be covered if they were given by your in-laws or blood relatives.

What the insurance policy won’t cover varies from one company to another.  More or less, events that are directly caused by you or are not caused by events beyond your control will not be covered.  You will need to check with the various insurance companies and read the policies to determine exactly what IS covered and what is NOT covered by any specific wedding insurance policy.

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For more information about wedding insurance, check out these other articles here at Wedding Brook:



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