What Is Wedding Insurance? Protecting Your Big Day in North Carolina

Planning a Wedding? Here’s Why Insurance Matters

Weddings take months—sometimes years—to plan. From booking the venue to hiring vendors, you’re investing time, money, and emotion into one day. But what if something unexpected happens? Wedding insurance helps protect your financial investment so you can focus on celebrating, not stressing.

What Is Wedding Insurance?

Wedding insurance is a specialized policy that helps cover financial losses if your wedding is postponed, canceled, or disrupted due to unforeseen events. It can also protect you against certain liabilities during the event.

Two Main Types of Wedding Insurance

1. Cancellation or Postponement Coverage

Reimburses you for deposits and expenses if your wedding has to be called off or rescheduled due to:

  • Severe weather
  • Illness or injury to key participants
  • Vendor no-shows or bankruptcy
  • Military deployment or unexpected travel restrictions

2. Liability Coverage

Protects you financially if you’re held responsible for property damage or injuries during the event. Many venues now require couples to have liability coverage before booking.

What’s Usually Covered?

  • Venue costs
  • Catering expenses
  • Photography and videography
  • Wedding attire
  • Flowers and décor
  • Entertainment and music

What’s Not Typically Covered?

  • A change of heart
  • Normal wear and tear on clothing or equipment
  • Pre-existing issues known before buying the policy

Why North Carolina Weddings Have Unique Risks

Our state’s variety of wedding destinations—from coastal beaches to mountain resorts—means couples face different risks depending on the location. For example:

  • Coastal weddings may need extra protection for hurricanes or tropical storms.
  • Outdoor ceremonies could be impacted by sudden rain or wind.
  • Destination weddings within NC often involve more vendors, increasing the risk of cancellations or delays.

How Sizemore Insurance Helps Couples

At Sizemore Insurance, we:

  • Help determine the right amount of coverage based on your wedding plans and budget
  • Compare quotes from top-rated carriers to find the best fit
  • Explain your policy clearly so there are no surprises if you need to file a claim

We’re independent, so we work for you—not the insurance companies.


Secure Your Wedding Day

Your wedding should be about joy—not “what ifs.” Start your wedding insurance quote online or call (910) 791-1011 to speak with a Sizemore Insurance advisor.