Planning a wedding is exciting, but it can also be stressful. One of the biggest concerns for couples is protecting their investment. That’s where wedding insurance comes in. Today, I’m comparing two popular options: Wedsure vs Wedsafe. Let’s dive in and see which one might be the best fit for your big day!
Update: Learn more about Wedsure and the Forbes Advisor scheme.
Coverage Options Wedsure vs Wedsafe
When it comes to wedding insurance, both Wedsure vs Wedsafe offer two main types of coverage:
- Liability Insurance
- Cancellation/Postponement Insurance
Liability Insurance
Wedsure:
- Offers up to $5 million in liability coverage
- Includes host liquor liability at no extra charge
- Provides property damage liability for rented venues
Wedsafe:
- Also offers liability coverage (specific limits may vary)
- Includes host liquor liability
- Covers property damage to rented premises
Cancellation/Postponement Insurance
Both companies offer protection for unforeseen circumstances that might force you to cancel or postpone your wedding. This can include severe weather, illness, or vendor issues.
Ease of Use
Wedsure:
- Provides instant online quotes and coverage
- Allows 24/7 policy purchases
- Emails policy documents immediately after purchase
Wedsafe:
Pricing
While prices can vary based on your specific needs, both companies aim to be affordable:
- Wedsure’s liability coverage starts at $125
- Wedsafe’s prices are competitive, with some users reporting costs around $200
Additional Features
Wedsure:
- Covers up to 4 events on the same policy (e.g., rehearsal dinner, ceremony, reception)
- Offers optional add-ons like jewelry coverage
Wedsafe:
- Provides the option to buy liability or cancellation coverage separately or together
- Offers a discount of up to 15% on rates
Customer Reviews and Reputation
Wedsure:
- Backed by Allianz, a large, reputable insurer
- Forbes Advisor named it #1 in Wedding Insurance for 2024
Wedsafe:
Wedsure vs Wedsafe: Which One Should You Choose?
Choosing between Wedsure and Wedsafe ultimately depends on your specific needs and preferences. Here are some factors to consider:
- If you want highly customizable coverage, Wedsure might be the better choice
- If you prefer straightforward, comprehensive plans, Wedsafe could be ideal
- Compare quotes from both to see which offers better value for your particular wedding
Other Options:
Be sure to check your venue’s insurance requirements before securing a policy!
GatherGuard
Damage to rented premise limit: $250,000
Medical expense limit: Not included
Waiver of Subrogation Endorsement: No
Primary Noncontributory Endorsement: No
Free quote feature available
SpecialInsurance.com
Damage to rented premise limit: $300,000
Medical expense limit: $5,000
Waiver of Subrogation Endorsement: Yes
Primary Noncontributory Endorsement: Yes
Free quote feature available
Coverage can extend beyond midnight depending on state liquor laws, in which case only 1 day of coverage is required