Wedding Insurance: What Couples Should Know
Planning your wedding is one of the most exciting times in your life – but it’s also a major investment. From your venue and catering to photography and florals, the costs add up quickly. That’s why more and more couples are turning to wedding insurance for peace of mind.
At Friedman Farms, we’ve seen firsthand how a well-chosen policy can protect your plans – especially for barn and outdoor weddings in case something unexpected pops up.
What Is Wedding Insurance?
Wedding insurance is designed to protect you from unexpected events that could impact your wedding day. Think of it as a safety net that helps you recover financially if something goes wrong before or during your celebration.
There are generally two main types of coverage:
- Liability coverage – protects you in case of property damage or injuries during your wedding (many venues, including Friedman Farms, require this type of coverage).
- Cancellation or postponement coverage – reimburses you for expenses if your wedding needs to be canceled or rescheduled due to circumstances beyond your control.
- Severe weather
- Sudden illness
- Lost/non-refundable deposits
- Vendor bankruptcy
- Damage to wedding attire such as bridal gown, wedding rings
- Damaged wedding photos/videos
- Stolen gifts and more
Why It’s Important — Especially for Barn and Outdoor Venues
While every venue does its best to plan for the unexpected, wedding insurance can help cover:
• In the event you’re held responsible for injuries or damage to venue property
• Offers host liquor liability to protect you against alcohol-related injuries
• Medical payments coverage available (often required by venues)
Even if you never need to use it (and hopefully you won’t!), it’s an affordable way to protect your investment.
What to Look For When Buying a Policy
When comparing wedding insurance options, pay attention to:
- Coverage limits – Make sure they meet your venue’s requirements.
- Vendor issues – Confirm if the policy covers deposits for lost or canceled vendor services.
- Weather clauses – Read carefully how weather-related cancellations are handled.
- Liquor liability – If you plan to serve alcohol, ask if it’s included or requires an add-on.
It’s smart to purchase your policy soon after booking your venue so you’re covered throughout the planning process.
How Friedman Farms Supports You
At Friedman Farms, we want every couple to feel secure knowing their day will unfold beautifully – no matter what happens. We require proof of event liability insurance, but we’re always happy to guide you through what to look for or where to start.
Peace of Mind, So You Can Enjoy Your Day
Your wedding is a celebration you’ll remember forever. Wedding insurance gives you the freedom to focus on what truly matters – saying “I do” surrounded by family, friends, and the breathtaking views of Friedman Farms.
A little preparation now can save a lot of stress later – and that’s a feeling worth investing in.