Wedding liability insurance is quickly becoming a must for many brides, and with the ever growing costs of weddings these days, who can blame them? The average American wedding today costs around $28,000. A wedding liability insurance policy will cover anything from weather conditions which can postpone the big day, to missing vendors, botched wedding photos, and in some cases, even cold feet. It's a great thing, and when compared to the costs of having to postpone or cancel the whole ceremony in case of an incident, rather inexpensive, typically only $150 - $500 depending on the level of coverage you want. Here are some things to consider when deciding if you want to purchase wedding liability insurance.

Weather - If you live in an area that is prone to hurricanes, or planning a winter wedding in an area prone to blizzards or ice then a wedding insurance policy would be a good idea in case something happens on your wedding day. If your ceremony is postponed due to weather, the right wedding insurance policy would pay for all costs associated with a whole new wedding.

Missing Vendor/Officiant - If your florist, caterer, or worse, officiant doesn't show up on the big day, then the right wedding insurance policy will help you recover those fees of finding new vendors quickly, or in some cases the costs of a whole new wedding.

Other Unforseen - If a close family member falls sick and the ceremony needs to be postponed, your wedding photographs are lost or destroyed by the photographer, wedding location burns down, any number of things are covered by your wedding insurance policy.

Possible Riders - There are many riders you can purchase for your policy, and add extra specialized damage. A dress/tuxedo rider will cover you if your wedding dress is somehow destroyed, the location renting your tuxedos burns down, and even more! A military rider will cover postponement fees if either the bride or groom is called to war before the ceremony. If you are having the wedding in your home, wedding liability insurance is necessary in case someone gets hurt on your wedding day and decides to sue (wouldn't that be nice!). A gift rider will cover if the wedding gifts are destroyed or stolen, and a honeymoon rider will cover expenses lost if something terrible happens on the honeymoon. This can include lost luggage, missed flights, or even postponement if one of you falls ill.

When choosing a company to purchase your wedding insurance policy, read the fine print to ensure you are purchasing what you intend to purchase. Would you want to spend that kind of money for one day without some kind of wedding insurance policy in case something goes wrong? Or are you the risky type who hopes for the best, and if something happens will be stuck with some huge bills to pay? You will quickly find that wedding liability insurance is worth the cost.