Insure Your Wedding

Why WedSafe?

Since 1999, thousands of customers like you have trusted WedSafe® wedding insurance to protect their special days. Here's why:

• Wedding insurance specialists
• Affordable wedding day protection
• Instant Quote: upfront pricing with NO hidden charges
• Easy, secure purchase options
• Dedicated customer service support
• Underwritten by an "A" rated insurance company, Markel American
• Brought to you by Aon – the world's leading provider of insurance brokerage and risk management services.

Wedding Insurance Specialists – WedSafe has been in business since 1999 and is the top wedding insurer in the United States. Our dedicated employees are experts in wedding and insurance trends and have worked hard to make sure our products meet your need for financial protection as you invest in this special day.

Our Liability insurance also meets most wedding and reception venue requirements for liability and property damage coverage.

We believe no other wedding insurance solution currently on the market can offer you a superior combination of coverage quality, purchasing convenience, and affordability.

Instant Quote – We will never ask you to create a login, provide personal information, or complete a complicated form just to get a quote. To see how much it will cost to insure your wedding, just answer a few basic questions and get instant pricing. Complete your order online when you're ready, or contact our friendly customer service reps for more assistance.

• NO Hidden Charges – Unlike some insurance providers, WedSafe never charges extra for adding a venue as an "Additional Insured" on a Liability policy.

Easy Purchase Options – insuring your wedding is as easy as 1, 2, 3!

1. Get your instant Quote
2. Complete your purchase online through our secure application
3. Most policies can be downloaded right from the web site – your wedding is covered in a matter of minutes!

Our convenient online purchase process allows you to buy your insurance online using any major credit card. Policy documents are available for immediate download in most cases and we will also e-mail you a copy.

Our web application uses state-of-the art security measures and is monitored daily by independent web security certification service McAfee Secure, so you can feel comfortable purchasing WedSafe coverage online.

But if you prefer, you can contact customer service during office hours and complete an application over the phone. Or we'll mail or fax you an application. The choice is yours -- just let us know!

Underwritten by Markel American Insurance Company – Markel has a rating of "A (Excellent)" from A.M. Best.

Brought to you by Aon – The WedSafe program is offered through the world's leading provider of insurance brokerage services.. For decades, our parent company Aon Corporation (a Fortune 250 company) has handled the insurance needs of individuals and businesses worldwide.

New Rates & Features are not yet available in all states. To check product availability for your state, use the Get a Quote button or contact customer service for assistance.

Insurance 101: Engagement Ring Insurance

Insurance 101: Engagement Ring Insurance

Putting a policy on your engagement ring may sound unromantic, but nothing's sweeter than peace of mind.

What It Is:

There are a few ways to insure your engagement ring. Ring insurance can be purchased as an extension (also called a "rider") for your renters' or homeowners' policy. Renters' and homeowners' policies cover the stuff in your home, but only up to a certain dollar value: Expensive, special items like engagement rings, art, and electronics are guaranteed through scheduled personal property coverage -- an insurance policy extension that covers particular items. Another option is to insure your ring through a company that specializes in jewelry insurance, which might offer more coverage than a standard homeowners' policy (replacing a lost or stolen ring rather than paying a set amount of cash, for instance).

All those wedding presents drastically increase the dollar value of your stuff. Make sure to adjust your homeowners' or renters' coverage to reflect that!

Who Needs It Most:

Any couple with jewelry that has high material or sentimental value -- whether your wedding and engagement rings cost $500 or $50,000, an insurance policy is a way of honoring not just their financial value but what they represent. The sentiment behind your rings is priceless, but the rings themselves can be replaced -- if they're insured -- in the event that something happens to them.

What to Know About How It Works:

You'll need to provide your receipts, as well as an appraisal (which costs a small fee; you can get an appraisal from a certified gemologist). And remember: If you move after the wedding, make sure your "ring rider" follows you. Some couples have the ring insured at the bride's house (or her parents') before the wedding, but forget to add it to the policy for their new home when they move in together.

If you don't have a renters' or homeowners' policy, there is an alternative way to insure your ring: Certain insurance companies offer policies through jewelers on individual pieces -- ask your jeweler if they work with an insurance company to offer ring insurance. These kinds of policies can vary widely company by company (usually a jeweler will offer a policy that's underwritten by smaller company), so ask specific questions about the level of coverage provided.

Questions To Ask Before You Choose a Policy:

• Is the ring covered if you lose it accidentally, or only if it's stolen?

• How will the company replace the ring -- with a check? Or will they require you to purchase a replacement through a specified jeweler?

• What if it's a vintage ring or other unique piece? How will the quality and size of your diamond -- and that of a replacement if needed -- be documented?

• Is the ring insured to full cost or a fraction of it?

• How will you need to prove the ring vanished if you make a claim?

• Are there any circumstances that aren't covered? (What if your ring flies off at the circus and gets trampled by elephants, for example?)

Average Cost:

The yearly cost to insure your ring is $1 to $2 for every $100 that it would cost to replace. In plain English, this means that if your ring would cost $9,000 to replace, you might expect to pay between $90 and $180 per year to insure it -- or slightly more in cities where the risk of theft is higher.

How To Get Your Cost Down:

Buy a vault or safe to keep jewelry in when it's not being worn. (You can also keep paperwork like appraisals in the safe, so you'll always know where it is if needed.)

What To Remember if You Only Remember One Thing:

When you shop for a "ring rider" policy, make sure to read the fine print: A good policy will cover every potentially ring-threatening situation from theft to damage to accidentally dropping it in the garbage disposal.