If you're having an outdoor wedding in the middle of hurricane season, you may want the protection of insurance, as well. Wedding insurance does not cover change of heart. Consider a bride whose father is injured in a car accident just before the wedding. If the couple postpones the wedding, they could be paid for their expenses, allowing them to have the wedding when the father recovers. The insurance can also cover accidents beyond the wedding day itself.
Some policies cover loss or damage of photographs.
Another policy covers loss of gifts. Couples must submit affidavits with their claims. For example, you must attach a police report to a claim for stolen gifts.