A wedding insurance policy covers cancellation or rescheduling of a marriage due to natural calamities like floods, earthquakes and cyclones, or fire and burglary. It also covers damage to the wedding venue or house of the policyholder due to any such mishap. There are separate covers in the policy and you can opt for the one you want.
You could extend the coverage to include the death of the bride, groom or certain relatives, or an injury to them that may result in their being hospitalised, in case it happens within 10 days prior to the wedding. There's also a public liability cover, which insures any injury to guests due to an accident at the venue. You could also take a cover for jewellery, wedding clothes and cash kept in a safe at home or the venue.
A wedding insurance policy does not cover cancellation of nuptials due to a dispute between the marriage parties, or the bride and groom. Some companies do not extend a cover if the bride or groom is unable to reach the venue due to civil unrest.