wedding inaurance

Insurance and Weddings Go Hand in Hand

The terms wedding and money go hand in hand. The average wedding cost is now up to $31,213 according to, and that’s not even including the honeymoon. Because of increasing costs, more and more couples are looking to plan a smaller, more intimate ceremony. While there’s no universal way to define a small wedding, it typically involves a limited gathering of family and close friends.

No matter the size of your guest list, you’re bound to feel the stress of planning as you want your day to be perfect. But opting for a modest-sized wedding opens the door to endless options and possibilities. Here are some tips for making your small-scale wedding the event of the year:

Get Insured

Though you might not want to think about it, disasters can strike your wedding day. From a sudden cancellation to stolen gifts to a damaged gown, wedding insurance can help protect you against the unforeseen, and can also afford you great peace of mind.

A basic insurance policy that covers loss of photos, videos, attire, presents, rings and deposits usually costs anywhere between $155 and $550, depending on the amount of coverage you want. General liability insurance, which covers up to $1,000,000 for accidents, costs around $185.

Every insurance policy and every wedding scenario is different. Be sure to talk to your insurance agent—and have him or her explain the nuts and bolts to you. You want to make sure you understand every detail of your policy.

Whittle down your guest list

If you can keep your guest count low, the cost for just about everything you need for your wedding will significantly decrease. There’s always going to be more guests you could invite, but if you’re making a point to have a small wedding, people will understand. Set limits and stick to them.

Rent what you can

Rental stores offer a wide range of products to fit weddings of any size or theme. A smaller wedding opens up your options when it comes to venue and personalization. You’ll likely need tables and chairs, tents, a dance floor and maybe even china, tableware and linens. Start by searching on to find a store for all your decorating and setup needs.

Keep the menu simple

One of the biggest costs of a wedding is the food, so try to shy away from extravagant and fancy menu items. All you need are a few key dishes and one or two desserts to keep everyone satisfied. Your guests aren’t coming to ogle over a lavish spread; they simply want to be there to celebrate with the happy couple.

Stick to your budget

Create a budget using money you already have in the bank. There’s no need to go into debt when planning an intimate wedding. If you have $1,000 to spend, then plan a $1,000 wedding. If you stick to a moderate budget, you’re more likely to keep the planning and actual event in control.

Think outside the box

A small wedding may require a bit of strategic thinking and DIY projects. For example, you can make your own invitations and party favors to not only save money, but to reflect your unique personality as a couple. You can also get creative with the venue, like a small bed and breakfast, restaurant or historic home. There’s no need to book an entire banquet hall.

Let these straightforward ideas take some of the stress out of your wedding planning. After all, your wedding day is supposed to be one of the happiest occasions.

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One Comment

  1. April Cook

    I never thought of getting insured to cover our wedding day. It would make me feel more relaxed to know that we were covered if something went wrong. Will the cost of insurance be influenced by the location? I have always wanted a beach wedding and wonder if that would be considered higher risk. Thanks for these great tips!

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