In her book Weddings, Emily Post introduced wedding insurance:
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Weddings have taken place for centuries without wedding insurance, but no chapter on the legalities of getting married would be complete without including it as a topic of consideration for the bride and groom. In many instances, the cost of a wedding is so astronomical that the additional cost of insurance is worth every penny if it protects such a large investment.
Wedding insurance, offered exclusively by the Fireman's Fund insurance company (800-ENGAGED), may be taken out by a bride and groom to cover wedding catastrophes that are beyond anyone's control. Wedding insurance can also cover any retaking of photographs, replacement of lost or damaged wedding attire or wedding gifts, and public liability.
Wedding insurance is beneficial, for example, when a reception site suddenly cannot accommodate the party because a fire, damage, or a murder or suicide has occurred at the site, or an outbreak of a contagious disease has required a health department quarantine. Insurance will cover the cost of rebooking elsewhere.
If wedding insurance is a possibility, it is wise to consider every contingency when assessing the value and extent of the insurance you want. For example, if the reception site is suddenly not available and the wedding must be canceled because no other site is available on such short notice, other costs may be lost, such as formal-wear rental, car hire, hotel charges for the wedding party, and flower arrangements.
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