Wedding insurance policies exclude the #1 reason weddings get canceled: cold feet

Wedding insurance costs $200-$600 and covers weather, vendor no-shows, and property damage — but virtually every policy explicitly excludes "change of heart" or relationship dissolution, which is the single most common reason weddings get canceled outside of pandemics. Couples buying insurance assume they're protected against cancellation, discover the exclusion only when filing a claim, and lose $20,000-$50,000 in non-refundable vendor deposits with no coverage. This matters because it's insurance that doesn't cover the primary risk, which is like buying fire insurance that excludes kitchen fires. The exclusion persists because insurers cannot underwrite relationship stability and adverse selection would be extreme — couples most likely to cancel are most likely to buy — so the product is marketed on a comforting feeling rather than actuarial reality.