Add in the mix that weddings typically cost $25,000 to 35,000, and it’s easy to see how the stress level can get ridiculously high for the poor bride and groom, their families, and anyone who happens to be in their way as the days tick down.

Is there anything a bride or groom-to-be can do to help ease the pre-wedding jitters?

Maybe not, but you can at least eliminate the worry over all those imagined mishaps that might ruin what should be your perfect day.

One option is to purchase wedding insurance.
According to Jennifer Carpenter, sales and marketing specialist for NIA Group Insurance in Cape May, it’s worth considering for any bride and groom-to-be, because it’s relatively inexpensive, and it can literally save the day in a pinch.

Wedding insurance costs on average between $100 and $350, Carpenter said, and covers you in any number of ways.

First there’s the liability aspect. If your big party is a hit and everyone’s having a really good time, it might be because they’re drinking alcohol. What happens if the worst happens, and a guest drives home a bit too tipsy, and gets in an accident? You or the establishment could be held liable. There’s no substitute for being a responsible host; but it’s nice to know that if one of your guests gets out of hand, you’ll be covered.

On the flip side, there’s protection for all the money you’re spending and deposits you make.
So many contracts are signed when you get ready to host a wedding: the caterer, the reception hall, the photographer, the videographer, the presiding official or religious officiate, the limousine, the flowers, the church.

As any good planner knows, a contract is only as good as the people signing it.
Wedding insurance typically covers cancellation or postponement, additional expenses, event photographs and video, gifts that are damaged or stolen, special attire, special jewelry, and lost deposits, according to Carpenter.

If a photographer cancels at the last minute, said Carpenter, insurance will help you pay to hire a new one right away. If a family member dies, and the wedding must be postponed, insurance can cover your canceling to set a new date. If your brother trips up the church steps and accidentally drops that $300 Lennox bowl from Aunt Martha transforming it into a hundred little shards akin to finger bowls, at least you’re covered for a replacement.
It’s peace of mind and it can be bought.

For even a small wedding, purchasing an insurance policy for the big day might turn out to be the best gift a bride and groom-to-be could give themselves.