Our jewelry insurance guide reviews the policies of the top eight companies. Learn what to look for so you can find the coverage that's right for you.
20 Minute Read
According to The Knot's 2025 Real Weddings Study, the average amount most couples spend is around $33,000 — and that's not even including the ring! With such a substantial financial contribution, it would only make sense that you'd want to protect your investment, especially when you consider the scenarios where you would need wedding insurance.
If something goes awry, such as illness taking out the bridal party or vendors going out of business before your big day, you could be out of luck with any deposits or payments made — unless you're protected with a good policy that offers comprehensive liability coverage as well as event cancellation coverage.
But when it comes to the best wedding insurance companies, which ones stand apart, and how do you know who to trust? We did the homework to help you determine the wedding insurance policy you may want to choose based on your unique and special day.
No matter how amazing your wedding planner is or how detailed your planning process has been, things happen. A hurricane could tear through the site of your wedding day ceremony and reception and cause you to postpone the date. Guests could fall on a slippery dance floor, holding you liable for injuries. You could have a change of heart, even after putting a huge chunk of money into deposits and vendor payments. What then?
If you have good wedding insurance, you are covered with liability protection and cancellation or postponement reimbursements. In fact, most venues (up to 75%) require some kind of liability insurance, so investing in wedding insurance is an important task and also gives you plenty of extras, such as covering gifts that are lost or stolen, damaged wedding attire, and protection if vendors go out of business or are no-shows.
As mentioned, there are two kinds of wedding insurance — cancellation and liability — and some policy providers offer a discounted package deal when choosing both. Before we get into the best wedding insurance ranking, here's a quick rundown of what sets these two types of wedding insurance apart.
Liability coverage protects you from various scenarios, including injury, property damage, and alcohol-related incidents during the actual hours of your event, which may encompass the rehearsal dinner, wedding ceremony, reception, and sometimes the post-wedding brunch. Policies will pay out for medical bills if guests are injured and protect you from lawsuits that may result. Most wedding venues require you to have this coverage as it also protects them from the same financial responsibilities.
Cancellation or postponement insurance is typically optional and covers any issue that may arise that would prevent your event from happening on the original date. Maybe you or your spouse-to-be came down with a bad case of the flu, or your wedding venue suddenly went out of business. Some wedding insurance companies will even protect for cases of COVID and situations where the couple has a change of heart.
1
2
3
4
6
Company | Lowest Total Cost (Liability + Cancellation) | Cancel for Any Reason Coverage | COVID-19 Cancellation Coverage | Zero Deductible Claims | Host Liquor Liability Included |
|---|---|---|---|---|---|
1 | 387.77 | Yes | Yes | Yes | Yes |
2 | $600 | No | No | Yes | No (requires extra fee) |
3 | $553.65 | No | No | No | No (add-on) |
4 | $585.14 | No | No | Yes | Yes |
5 | $555 | No | No | No | No (add-on) |
7 | $433.50 | No | No | No | Yes |
Comparisons are based on similar coverage across six companies, including $1M/$2M liability for 125 guests, with full coverage for property damage, taxes, fees, and all applicable discounts. The analysis also accounts for zero deductibles and optional coverages such as medical payments (MedPay), cancel for any reason, and host liquor liability.
To conduct our research, we filled out the informational forms on each provider's website to receive a quote, using the same set of parameters for wedding size, location, and coverage desired to keep results fair and balanced across the board. We filled out multiple forms for each provider using different sets of figures to gauge pricing and coverage for both large and small events.
If you have jewelry insurance for your engagement rings, there's a chance you may be familiar with BriteCo — they are one of the leaders in the industry, offering coverage for jewelry and watches, especially engagement rings, with no deductibles and an easy claims process. It's for these reasons we also love their newest offering, wedding insurance.
Even though BriteCo's event insurance is one of the newest kids on the block, we actually find that to be a great advantage. BriteCo brings fresh ideas that improve upon often outdated industry standards, offering modern coverage for modern couples. For example, their illness-related cancellation coverage extends to event postponements due to COVID, and they even have a literally unheard of "cancel for any reason" add-on policy that will reimburse you for payments and deposits made for literally any scenario, even if you and your partner have a change of heart.
The other thing we appreciate about BriteCo is the quick and seamless process, from getting a policy to filing a claim. Getting insured requires filling out a quick form, and you'll get a quote in 30 seconds without the need to fill out numerous info fields. BriteCo's customer service is also very helpful and responsive when questions arise, and they walk you through the claims process so you are updated along the way.
If you're planning to get away for your wedding day, Wedding Protector Plan is the best wedding liability insurance for destination events. The company covers most US states (with the exception of Alaska, Hawaii, and Louisiana) and also various territories, including Mexico, Puerto Rico, Canada, Bermuda, The Bahamas, Turks and Caicos, The Caribbean Islands (excluding Cuba and Haiti), and the UK. And their loss and damages provisions will cover and recoup any missing luggage, damaged wedding dresses or tuxes, or lost jewelry.
One of the most helpful parts of the website that we found was the fact that Wedding Protector Plan breaks out its coverage options into 10 levels with very clear dollar figures for what it covers — cancellation or postponement, video and photography services, wedding gifts, wedding attire, jewelry, and lost deposits — as well as premium costs for each tier. Even better, there are no deductibles attached to any of the 10 coverage options. The only downside is that you must commit to cancellation/postponement coverage as part of your overall wedding insurance package.
Wedding Protector Plan coverage is provided by the very respected Travelers Insurance, around since 1864. We also appreciate that there's a 24/7 claims processing center so you can file a claim no matter when the incident occurred.
If you've waited until the last minute to buy wedding event insurance and are in a panic leading up to the big day, Wedsure can help you relax with coverage in place as quickly as the night before the ceremony. As one of the veterans in the industry, Wedsure claims to have first created wedding insurance and has a 25-year track record of customizable plans for both event liability insurance and cancellation coverage with a la carte options.
The A+-rated company offers nine different add-on plans, including mix-and-match coverage for jewelry such as engagement rings, gifts, host liquor liability insurance, cancellation or postponement, loss of deposits, photography and video services, event rentals, wedding attire, and professional counseling. Another customizable feature is the ability to choose your own deductible and reduce your overall premium cost; options start at $25 and go up to $10,000.
Wedsure thrives on a business philosophy of being available any time customers need them. This includes 24/7 claims reporting, providing quotes within 15 seconds, and offering instant certificates of insurance. Current and prospective policyholders can also request a callback from a customer service representative, which we found especially helpful, avoiding the need to wait on hold for the next agent.
From the bachelorette party to the rehearsal dinner to the ceremony to even the anniversary festivities down the road, Eventsured covers it all. The 20-year-old business protects hundreds of events, which means it might take a while to find your specific type of occasion from the dropdown list on the company website — but once you do, it's a pretty seamless experience to secure both liability and cancellation coverage.
You simply need to select your event type, location, date, and party size, add some quick personal info, and you'll get an instant quote. If you need more time to decide, you can also save your quote and quickly reference it with the unique number ID and your email address to restart the process where you left off. The same goes if you want to manage your policy and add additional coverage — just enter your certificate number and email address and you'll access your dashboard to make any changes.
What we like about Eventsured is that the company is transparent about the people behind the process. They list their team members and email addresses if you want to connect with real humans at the company about a claim or any questions you may have. This adds one more layer of security and the capability for customizing your insurance plan.
When purchasing insurance, you can always feel good about a solid guarantee. Event Helper's comes in the form of venue acceptance: The company guarantees its wedding liability insurance meets 99.5% of a venue's insurance requirements — if not, they'll give your money back.
What we really appreciate about Event Helper's online form is that there are just four fields to fill out to receive a quote (the type of event, total days of coverage, wedding size, and the state where the event is taking place), and you can see policy premiums change in real-time as you change the parameters for coverage. So, there's no need to add personal details or wait for an emailed quote to decide if these wedding insurance providers are right for you.
The other helpful tool is being able to see a sample certificate of insurance before you continue to the agreement and add payment details. But once you do decide Event Helper is your personal best company for wedding insurance, just be prepared for a bit of a lengthy process. They have quite a long application with numerous questions to answer to get your plan in place.
If you have a smaller wedding and more intimate wedding party, Event Helper is also ideal as they offer the most competitive prices for boutique events.
If you're looking to bundle liability insurance and event cancellation coverage, WedSafe is one of the best wedding event insurance companies for a package discount, offering a 15% savings when you combine the two, reducing your overall wedding insurance cost.
While the website does feel a bit outdated, and there's even a notice for Safari and iPhone/iPad customers regarding issues loading the site using those platforms, we did take comfort knowing WedSafe has prominent backings. Coverage is provided via Aon insurance division Aon Affinity, and WedSafe has partnered with reputable companies including Amica and AAA Hosier Motor Club.
The online form is pretty seamless, though there are quite a few fields to fill out to receive your quote. However, one feature we found helpful is WedSafe's two-minute webinar video that explains everything about wedding insurance; it provides a much easier and more interactive option than simply reading a list of benefits.
There's also a strong convenience factor to WedSafe services. The company promises to pay out on claims before coordinating with any other insurance protection you may have. And they will email or mail certificates of insurance directly to your wedding venue, saving you one less step in the wedding planning process.
For one of the most significant events of your life, it pays to be protected. With our top pick for best wedding insurance, BriteCo, you can get trusted coverage that will safeguard you from any liabilities or lost deposits in the case of event cancellation or postponement — all for less than $400 a month. It's the wedding gift that keeps on giving for you and your future spouse.
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According to The Knot's 2025 Real Weddings Study, the average amount most couples spend is around $33,000 — and that's not even including the ring! With such a substantial financial contribution, it would only make sense that you'd want to protect your investment, especially when you consider the scenarios where you would need wedding insurance.
If something goes awry, such as illness taking out the bridal party or vendors going out of business before your big day, you could be out of luck with any deposits or payments made — unless you're protected with a good policy that offers comprehensive liability coverage as well as event cancellation coverage.
But when it comes to the best wedding insurance companies, which ones stand apart, and how do you know who to trust? We did the homework to help you determine the wedding insurance policy you may want to choose based on your unique and special day.
No matter how amazing your wedding planner is or how detailed your planning process has been, things happen. A hurricane could tear through the site of your wedding day ceremony and reception and cause you to postpone the date. Guests could fall on a slippery dance floor, holding you liable for injuries. You could have a change of heart, even after putting a huge chunk of money into deposits and vendor payments. What then?
If you have good wedding insurance, you are covered with liability protection and cancellation or postponement reimbursements. In fact, most venues (up to 75%) require some kind of liability insurance, so investing in wedding insurance is an important task and also gives you plenty of extras, such as covering gifts that are lost or stolen, damaged wedding attire, and protection if vendors go out of business or are no-shows.
As mentioned, there are two kinds of wedding insurance — cancellation and liability — and some policy providers offer a discounted package deal when choosing both. Before we get into the best wedding insurance ranking, here's a quick rundown of what sets these two types of wedding insurance apart.
Liability coverage protects you from various scenarios, including injury, property damage, and alcohol-related incidents during the actual hours of your event, which may encompass the rehearsal dinner, wedding ceremony, reception, and sometimes the post-wedding brunch. Policies will pay out for medical bills if guests are injured and protect you from lawsuits that may result. Most wedding venues require you to have this coverage as it also protects them from the same financial responsibilities.
Cancellation or postponement insurance is typically optional and covers any issue that may arise that would prevent your event from happening on the original date. Maybe you or your spouse-to-be came down with a bad case of the flu, or your wedding venue suddenly went out of business. Some wedding insurance companies will even protect for cases of COVID and situations where the couple has a change of heart.
1
2
3
4
6
Company | Lowest Total Cost (Liability + Cancellation) | Cancel for Any Reason Coverage | COVID-19 Cancellation Coverage | Zero Deductible Claims | Host Liquor Liability Included |
|---|---|---|---|---|---|
1 | 387.77 | Yes | Yes | Yes | Yes |
2 | $600 | No | No | Yes | No (requires extra fee) |
3 | $553.65 | No | No | No | No (add-on) |
4 | $585.14 | No | No | Yes | Yes |
5 | $555 | No | No | No | No (add-on) |
7 | $433.50 | No | No | No | Yes |
Comparisons are based on similar coverage across six companies, including $1M/$2M liability for 125 guests, with full coverage for property damage, taxes, fees, and all applicable discounts. The analysis also accounts for zero deductibles and optional coverages such as medical payments (MedPay), cancel for any reason, and host liquor liability.
To conduct our research, we filled out the informational forms on each provider's website to receive a quote, using the same set of parameters for wedding size, location, and coverage desired to keep results fair and balanced across the board. We filled out multiple forms for each provider using different sets of figures to gauge pricing and coverage for both large and small events.
If you have jewelry insurance for your engagement rings, there's a chance you may be familiar with BriteCo — they are one of the leaders in the industry, offering coverage for jewelry and watches, especially engagement rings, with no deductibles and an easy claims process. It's for these reasons we also love their newest offering, wedding insurance.
Even though BriteCo's event insurance is one of the newest kids on the block, we actually find that to be a great advantage. BriteCo brings fresh ideas that improve upon often outdated industry standards, offering modern coverage for modern couples. For example, their illness-related cancellation coverage extends to event postponements due to COVID, and they even have a literally unheard of "cancel for any reason" add-on policy that will reimburse you for payments and deposits made for literally any scenario, even if you and your partner have a change of heart.
The other thing we appreciate about BriteCo is the quick and seamless process, from getting a policy to filing a claim. Getting insured requires filling out a quick form, and you'll get a quote in 30 seconds without the need to fill out numerous info fields. BriteCo's customer service is also very helpful and responsive when questions arise, and they walk you through the claims process so you are updated along the way.
If you're planning to get away for your wedding day, Wedding Protector Plan is the best wedding liability insurance for destination events. The company covers most US states (with the exception of Alaska, Hawaii, and Louisiana) and also various territories, including Mexico, Puerto Rico, Canada, Bermuda, The Bahamas, Turks and Caicos, The Caribbean Islands (excluding Cuba and Haiti), and the UK. And their loss and damages provisions will cover and recoup any missing luggage, damaged wedding dresses or tuxes, or lost jewelry.
One of the most helpful parts of the website that we found was the fact that Wedding Protector Plan breaks out its coverage options into 10 levels with very clear dollar figures for what it covers — cancellation or postponement, video and photography services, wedding gifts, wedding attire, jewelry, and lost deposits — as well as premium costs for each tier. Even better, there are no deductibles attached to any of the 10 coverage options. The only downside is that you must commit to cancellation/postponement coverage as part of your overall wedding insurance package.
Wedding Protector Plan coverage is provided by the very respected Travelers Insurance, around since 1864. We also appreciate that there's a 24/7 claims processing center so you can file a claim no matter when the incident occurred.
If you've waited until the last minute to buy wedding event insurance and are in a panic leading up to the big day, Wedsure can help you relax with coverage in place as quickly as the night before the ceremony. As one of the veterans in the industry, Wedsure claims to have first created wedding insurance and has a 25-year track record of customizable plans for both event liability insurance and cancellation coverage with a la carte options.
The A+-rated company offers nine different add-on plans, including mix-and-match coverage for jewelry such as engagement rings, gifts, host liquor liability insurance, cancellation or postponement, loss of deposits, photography and video services, event rentals, wedding attire, and professional counseling. Another customizable feature is the ability to choose your own deductible and reduce your overall premium cost; options start at $25 and go up to $10,000.
Wedsure thrives on a business philosophy of being available any time customers need them. This includes 24/7 claims reporting, providing quotes within 15 seconds, and offering instant certificates of insurance. Current and prospective policyholders can also request a callback from a customer service representative, which we found especially helpful, avoiding the need to wait on hold for the next agent.
From the bachelorette party to the rehearsal dinner to the ceremony to even the anniversary festivities down the road, Eventsured covers it all. The 20-year-old business protects hundreds of events, which means it might take a while to find your specific type of occasion from the dropdown list on the company website — but once you do, it's a pretty seamless experience to secure both liability and cancellation coverage.
You simply need to select your event type, location, date, and party size, add some quick personal info, and you'll get an instant quote. If you need more time to decide, you can also save your quote and quickly reference it with the unique number ID and your email address to restart the process where you left off. The same goes if you want to manage your policy and add additional coverage — just enter your certificate number and email address and you'll access your dashboard to make any changes.
What we like about Eventsured is that the company is transparent about the people behind the process. They list their team members and email addresses if you want to connect with real humans at the company about a claim or any questions you may have. This adds one more layer of security and the capability for customizing your insurance plan.
When purchasing insurance, you can always feel good about a solid guarantee. Event Helper's comes in the form of venue acceptance: The company guarantees its wedding liability insurance meets 99.5% of a venue's insurance requirements — if not, they'll give your money back.
What we really appreciate about Event Helper's online form is that there are just four fields to fill out to receive a quote (the type of event, total days of coverage, wedding size, and the state where the event is taking place), and you can see policy premiums change in real-time as you change the parameters for coverage. So, there's no need to add personal details or wait for an emailed quote to decide if these wedding insurance providers are right for you.
The other helpful tool is being able to see a sample certificate of insurance before you continue to the agreement and add payment details. But once you do decide Event Helper is your personal best company for wedding insurance, just be prepared for a bit of a lengthy process. They have quite a long application with numerous questions to answer to get your plan in place.
If you have a smaller wedding and more intimate wedding party, Event Helper is also ideal as they offer the most competitive prices for boutique events.
If you're looking to bundle liability insurance and event cancellation coverage, WedSafe is one of the best wedding event insurance companies for a package discount, offering a 15% savings when you combine the two, reducing your overall wedding insurance cost.
While the website does feel a bit outdated, and there's even a notice for Safari and iPhone/iPad customers regarding issues loading the site using those platforms, we did take comfort knowing WedSafe has prominent backings. Coverage is provided via Aon insurance division Aon Affinity, and WedSafe has partnered with reputable companies including Amica and AAA Hosier Motor Club.
The online form is pretty seamless, though there are quite a few fields to fill out to receive your quote. However, one feature we found helpful is WedSafe's two-minute webinar video that explains everything about wedding insurance; it provides a much easier and more interactive option than simply reading a list of benefits.
There's also a strong convenience factor to WedSafe services. The company promises to pay out on claims before coordinating with any other insurance protection you may have. And they will email or mail certificates of insurance directly to your wedding venue, saving you one less step in the wedding planning process.
For one of the most significant events of your life, it pays to be protected. With our top pick for best wedding insurance, BriteCo, you can get trusted coverage that will safeguard you from any liabilities or lost deposits in the case of event cancellation or postponement — all for less than $400 a month. It's the wedding gift that keeps on giving for you and your future spouse.
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