Wedding Insurance in New York
Coverage for the Day You’ll Never Forget
Weddings are filled with beauty, joy, and careful planning. But they also come with financial commitments, logistical risks, and countless variables outside your control.
At Refine Risk, we help protect the details that matter most, from deposits and dresses to liability and last-minute cancellations.
Our wedding insurance policies are designed to safeguard your investment in one of life’s most meaningful celebrations.
Why Wedding Insurance Matters
Weddings involve dozens of vendors, large financial outlays, and coordination across families and timelines. Insurance steps in when something unexpected interrupts those plans.
From storm-related venue damage to a no-show photographer or a medical emergency that delays the event, wedding insurance gives you peace of mind and practical protection.
When Should You Consider Wedding Insurance?
If any of the following apply, it’s time to explore coverage:
| Scenario | Why Coverage Matters |
|---|---|
| Your dress or suit costs more than $5,000 | High-value items are vulnerable to theft, damage, or delivery issues |
| You’ve placed deposits over $1,000 with vendors | Protect your investment if a vendor cancels, closes, or fails to deliver |
| The venue requires liability coverage | Many venues ask for proof of insurance, especially when alcohol is served |
| You’re planning a destination wedding | Out-of-town or international plans involve travel risks, weather, and vendor logistics |
| A parent, spouse, or key guest is traveling in | Medical or travel issues can delay or disrupt your plans |
| You’re hosting a rehearsal dinner or post-wedding event | These celebrations carry similar risks as the big day itself |
| Either spouse serves in the military, police, or fire service | Sudden deployment or emergency duty can cause unexpected postponements |
What Does Wedding Insurance Cover?
| Coverage Type | What’s Protected |
|---|---|
| Event Cancellation/Postponement | Reimburses you for lost deposits and expenses if the wedding must be canceled or rescheduled due to a covered reason |
| Lost Deposits | Covers vendor deposits if a vendor fails to show up or closes without notice |
| Wedding Attire | Covers repair or replacement of gowns, tuxedos, and ceremonial clothing |
| Gifts and Cards | Replaces stolen or lost wedding gifts, including checks and monetary gifts |
| Photographs and Video | Covers reshoots or recovery if your photographer fails to deliver or loses your media |
| Special Jewelry | Protects wedding rings or heirloom pieces during the coverage window |
| Liability Insurance | Covers injuries or property damage occurring at your event or related functions |
| Liquor Liability | Optional coverage if alcohol is served and someone is injured or causes harm |
Local Coverage for Westchester, NYC, Fairfield County & Beyond
We work with couples hosting weddings across:
- Westchester County: Tuckahoe, Bronxville, Scarsdale, Eastchester, Rye, and White Plains
- New York City: Venues across Manhattan, Brooklyn, and Queens
- Fairfield County, CT: Greenwich, Stamford, and Darien
- The Hudson Valley and Northern NJ: Destination venues and seasonal weddings
Whether you’re celebrating in a rustic barn, historic estate, waterfront venue, or luxury hotel, we tailor coverage to match your vision and your contract requirements.
Plan Ahead, Even for the Unexpected
The earlier you purchase wedding insurance, the more coverage you have, especially for things like vendor cancellations and venue issues. We recommend securing coverage as soon as you begin signing contracts and placing deposits.
How to Get Started
Let’s make sure you’re protected from the first RSVP to the last dance.
To get started with your wedding insurance quote:
Call our office or visit our quotes page. We’ll walk you through every option and make the process calm, clear, and simple.
Your day deserves to be unforgettable for the right reasons. Let’s protect that together.