Is it worth buying wedding insurance or is it a waste of money?

According to wedding planning site The Knot, fall is officially the peak season for weddings, replacing June in recent years.

But from hurricanes to other severe weather events to illness, a lot can go wrong at a fall wedding.

And even if you weren’t exposed to Hurricanes Helene or Milton, disaster can strike in the days leading up to a wedding.

Bride-to-be Beth Ann Hughes didn’t want to worry about her big day, so she took out wedding insurance.

“It’s nice to know we have a little extra protection when we’re spending so much money on a wedding,” she said.

Wedding planner Dora Manuel of Viva Bella Events recommends her clients get insurance for any outdoor ceremony or reception.

“With wind, hurricanes and power outages,” she said, “if you’re having an outdoor wedding under a tent or even in a park, perhaps under a gazebo, you might want to think about it.”

Not just for hurricanes and storms

Todd Shasha of Travelers says wedding insurance can help not only with severe weather, accidents and illnesses, but also with problems with your venue or suppliers.

“Florists, DJs, caterers,” he said, “all of these vendors coming together at the same time to perform for your wedding. And if something goes wrong, wedding insurance could come into play.”

According to Shasha, insurance can even help if wedding attire or wedding gifts are damaged or a guest damages the venue.

“This protects your interests if you are responsible for this harm,” Shasha said.

The cost of insurance depends primarily on the size of your wedding.

According to The Knot, basic insurance ranges from $75 to $550 depending on the provider.

However, Shasha says the most important thing is to have a signed contract with all your suppliers.

Tina Minshall, bridal business manager at Bridal and Formal, says she’s glad Beth Ann Hughes chose insurance.

“When you plan for most of your life,” Minshall said, “you plan for the unforeseen circumstances that may happen.”

This way you don’t waste your money.

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