Key takeaways
Wedding dress coverage can give you peace of mind and affordable protection, up to your coverage limit, in case your dress is accidentally damaged or stolen
Special attire coverage is included in a wedding cancellation policy through Progressive Wedding and Event Insurance by The Event Helper, Inc.
What does wedding dress insurance cover?
Coverage varies by insurer, but wedding dress insurance may cover the following up to your coverage limits:
- Theft
- Accidental damage
- Loss while traveling, depending on your plan
- Repair or replacement due to a covered circumstance
While it's often called wedding dress insurance, this coverage can also protect other special attire for your event, like tuxedos and suits, shoes, headwear, and attendants' attire. Coverage isn't limited to wedding clothing, as long as you or guests intend to wear the covered items at the insured event.
If you need to repair or replace your dress due to a covered circumstance, the added wedding dress coverage can reimburse you up to the coverage limit you selected when purchasing. Insurers may handle this type of coverage differently, so check with yours to understand how special event insurance works.
What does wedding dress insurance not cover?
Wedding dress insurance doesn't cover every situation, and coverage varies by plan. Generally, the following aren't covered:
- Intentional damage
- Normal wear and tear
- Change of heart about the wedding
- Lost engagement rings
If you'll be traveling with your wedding dress for a destination wedding, it's possible that your luggage could be lost or stolen in transit. Coverage through your wedding insurance might not cover losing your wedding dress. And while airlines may offer reimbursement for losing your luggage, there is a maximum compensation limit. If the cost to replace your dress exceeds the amount an airline is obligated to pay you for lost items, consider a travel insurance policy to prevent a gap in coverage. Learn about travel insurance.
You might also invest in a water-resistant garment bag and find out from the airline if you can carry on your dress rather than checking it to reduce the risk of it getting lost or damaged.
When should I consider wedding dress insurance?
Adding optional wedding dress insurance to your wedding cancellation policy might make sense if you're concerned about damage or theft before your wedding day. Here are a few scenarios where wedding dress coverage may come in handy:
Example:Your wedding gown is a family heirloom — it's over 60 years old, fragile, and irreplaceable. You want to wear it on your special day, but you also want to protect it from accidental damage. It may be worth adding optional wedding dress insurance coverage to your wedding cancellation policy.
Example:You planned a destination wedding that requires complex travel plans. You want to keep your wedding attire safe along the way. You may consider a wedding cancellation policy with optional wedding dress insurance coverage.
It might also be worth considering a travel insurance policy with baggage coverage, in the event your dress is lost or stolen in transit and the replacement amount exceeds what the airline is obligated to pay for lost items.
Example:Your wedding dress is valued over $1,000. Repairing or replacing it isn't in your wedding budget if it's accidentally damaged or stolen. You may want to add wedding dress insurance to your wedding cancellation policy for peace of mind.
How to get wedding dress insurance through Progressive
With Progressive Wedding and Event Insurance by The Event Helper, Inc., you can get coverage for special attire, including tuxes and wedding dresses, when you purchase a wedding cancellation policy. This coverage can insure your wedding dress if damage or theft occurs before your wedding day.
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