// Wedding Protection Estimator

The cost of
protection
vs. the cost
of loss.

Adjust your budget below. No email, no form — just your number, in 15 seconds.

1 in 5weddings experiences a vendor cancellation or no-show.
$35,000
$5,000$150,000
Recommended TierStandard
Est. Monthly Premium$8
Total Coverage Up To$33,250

Full cancellation, vendor failure, weather events, and $1M liability coverage.

See What's CoveredGet Checklist

Estimates only. Final premium depends on state, guest count, and alcohol service. No personal data required.

27%of claims are vendor-related
$34Kaverage US wedding cost
1 in 5weddings: vendor no-show
22%of claims: extreme weather
$935Mwedding insurance market
30%of couples currently insured
27%of claims are vendor-related
$34Kaverage US wedding cost
1 in 5weddings: vendor no-show
22%of claims: extreme weather
$935Mwedding insurance market
30%of couples currently insured
1 in 5
weddings faces a vendor cancellation.

For the fourth consecutive year, vendor failures topped wedding insurance claims in 2024 — accounting for 27% of all payouts. Photographers, caterers, florists. The most trusted vendors in your contract are the most common source of loss.

— Insurance Information Institute, 2024

22%
of claims are weather-related.

Hurricanes, blizzards, wildfires — extreme weather that prevents the couple, family, or majority of guests from reaching the venue. Outdoor and destination weddings carry a 1.55× higher risk premium for a reason. The ceremony can be rescheduled. The deposits cannot be unspent.

— Wedding Insurance Market Report, 2024

// Coverage Comparison

What's
covered,
exactly.

Every row is a real scenario. Every cap is a real dollar amount. No asterisks. No vague language. Choose the tier that matches what you've already committed.

Tier 01
Essential
From $6/mo
Tier 02
Standard
From $14/mo
Tier 03
Premier
From $22/mo
Vendor Failure
Photographer cancels or loses footage
Up to $3,000
Up to $6,000
Up to $12,000 + reshoot
Caterer goes out of business before the date
Deposits only
Up to $8,000
Up to $20,000
DJ or band cancels within 48 hours
Price difference + $1,500
Full replacement + $3,000
Severe Weather
Hurricane or blizzard forces postponement
Up to $15,000
Up to $40,000
Outdoor ceremony washed out by named storm
Up to $10,000
Up to $30,000 + vendor rebooking
Illness & Injury
Bride, groom, or immediate family hospitalized
Up to $5,000
Up to $20,000
Up to $50,000
Officiant or key wedding party member cannot attend
Up to $2,500
Up to $7,500
Venue Closure
Venue burns, floods, or closes unexpectedly
Deposits refunded
Up to $12,000
Up to $35,000
Electrical failure or structural issue on wedding day
Up to $5,000
Up to $15,000
Military & Legal
Military deployment or leave withdrawal
Up to $10,000
Up to $25,000
Valuables
Wedding attire lost, stolen, or damaged
Up to $1,000
Up to $3,500
Up to $7,500
Wedding rings lost or damaged during event
Up to $2,000
Up to $5,000
Liability
Guest injury or property damage at venue
$500K limit
$1M limit
$2M limit
Alcohol-related incident (host liquor liability)
Included
Included + umbrella
No deductibles on any tier.
Select
Select
Select
Ready to see your exact number?

Takes 3 minutes. No commitment required.

See Your Custom Quote
$34K
is the average American wedding cost.

Average cost of weddings is projected to increase for the third consecutive year. The average Vow Standard policy covering a $34,000 wedding costs approximately $14 per month — less than one monthly streaming subscription, protecting every non-refundable dollar.

— Zola Wedding Report, 2025

// What Clients Say

The claim
paid for
the memory.

Real clients. Real claims. Real outcomes. Not testimonials we wrote — words from people who needed the policy to work.

"

Our florist went bankrupt six weeks before the ceremony. Vow's vendor failure coverage paid out $8,400 within 12 days. The wedding happened — and we didn't lose a dollar.

$8,400 paid in 12 days
Priya and Daniel Kaufmann, married couple from San Francisco
Priya & Daniel KaufmannSan Francisco, CA

"I've coordinated 140 weddings. I now require every client to carry Vow Standard before we sign. It's not a suggestion — it's in my contract. One venue fire taught me that."

140 weddings coordinated
Marguerite Osei, lead wedding planner from Atlanta
Marguerite OseiLead Planner, Osei Events · Atlanta, GA

"My son received deployment orders eleven days before his wedding. Vow's military coverage was the only reason we didn't lose the $42,000 in deposits already paid. They answered the phone on a Sunday."

$42,000 in deposits protected
Patricia Hollingsworth, mother of the groom from Richmond Virginia
Patricia HollingsworthParent of the groom · Richmond, VA

Trusted by planners at

Preston Bailey EventsMindy Weiss EventsSasha Souza EventsThe Bridal Bar
4.9 / 5
Based on 2,847 claims
// Free Resource

Download
Your Wedding
Coverage
Checklist.

A shareable document you can hand to your planner, email to your parents, or open in the vendor meeting. Six pages that took us twelve years to write.

Vendor contract checklist (12 critical clauses)
Weather contingency planning guide
Deposit protection timeline
Day-of emergency contact template
Insurance claim documentation guide
Shareable PDF for your planner & parents
Get the checklist — free.

No spam. One email. The checklist arrives immediately.

Already know your tier?

See Your Custom Quote →

By submitting, you agree to our Privacy Policy. We never sell your data.