Wedding Day Insurance: A 5-minute guide for Florida brides

You’ve invested your hard-earned money in your venue, florals, décor, food, photographer; but Florida’s climate, venue rules, and insurance environment come with some special considerations. Below are the key things to know.

• While Florida law does not force you to carry special event (wedding) liability coverage, most venues will.

• Expect many Florida venues to require $1 million in liability insurance with their name listed as an “additional insured.” Wedsure®+1

• If your wedding is in a private home or you host a portion there, your homeowner’s policy might extend to liability for injuries or property damage. My Florida Insurance

• Alcohol raises the stakes - Florida’s laws can hold a host or vendor liable if a guest becomes intoxicated and causes injury or damage. If you plan to serve alcohol, be sure your wedding liability policy includes or adds liquor (host) liability. Many specialized insurers let you toggle this option. WedSafe+1

• Weather & timing matter - Because hurricanes, tropical storms, heavy rains, and flooding are possible in Florida, cancellation/postponement coverage is a wise extra — but many policies require you purchase this well before the event. Progressive+1

• Exclusions are real
  Insurance policies typically won’t cover:
    • Intentional acts, damage from fireworks, aerial shows, etc. TrustedChoice.com+1
    • Infectious disease or pandemic-related cancellations (these are often excluded) Travelers+1
    • Change of heart — most policies will not reimburse you if you simply decide not to proceed

• In Florida, you might see liability-only coverage for ~$125–$150 with $1 million limits. Wedsure®+1
  Adding cancellation protection, dress/memento coverage, etc., may raise the premium — but usually not dramatically. WedSafe+1

The Bottom Line

You insure your home, your car, and your health. Your wedding deserves the same protection. A simple policy can help you recover costs and focus on what truly matters: celebrating your love story, not worrying about what could go wrong.