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Calcimator

Wedding Insurance Calculator

Estimate wedding insurance premiums for cancellation, liability, and liquor coverage from wedding cost and guest count.

Inputs

Results

Total premium ($)

$952.53

≈ 7 pairs of sneakers

Cancellation premium ($)$660.00
Liability premium ($)$292.53
Liquor liability premium ($)$0.00
% of wedding cost3.18%
Cost per guest ($)$6.35
Max Cancellation Payout30,000
How to Use This Calculator
  1. Enter the total wedding budget including all vendor contracts.
  2. Set the number of days until the wedding.
  3. Select your venue type: indoor, outdoor, or destination.
  4. Input whether you want cancellation, postponement, or liability coverage.
  5. Review the Estimated Premium and the Maximum Payout for each coverage type.

How the result changes with Total wedding cost ($)

Total wedding cost ($)Total premium ($)
100,900$2,209.63
350,650$5,902.93
650,350$10,698.13
900,100$14,694.13

What each input means

Total wedding cost ($)
Total of all non-refundable wedding expenses (venue, catering, photography, etc.).
Guest count
Expected number of wedding guests — affects liability premium.
Coverage tier (0-2)
0 = Cancellation only, 1 = + Liability, 2 = + Liability + Liquor liability.
Liability limit ($)
General liability coverage limit (most venues require $1M minimum).
Days until wedding
How far out the wedding is — purchasing under 30 days costs more.
Outdoor venue (0/1)
1 if the wedding is outdoors (adds weather risk surcharge).

What each result means

Cancellation premium ($)
Premium for cancellation/postponement coverage.
Liability premium ($)
Premium for general liability coverage.
Liquor liability premium ($)
Premium for host liquor liability rider.
Total premium ($)
Combined premium for all selected coverages.
% of wedding cost
Total premium as a percentage of wedding cost.
Cost per guest ($)
Insurance cost divided by expected guest count.

How this is calculated

Worked example, using the default values

  1. Identify Input Parameters
    4 parameters
    Total wedding cost ($) = 30000, Guest count = 150, Coverage tier (0-2) = 1, Liability limit ($) = 1000000 = 6 input(s) provided
  2. Calculate Total premium
    Total premium = cancellationPremium + liabilityPremium + liquorPremium
    952.53 = $952.53
  3. Calculate Cancellation premium
    Cancellation premium = totalWeddingCost * cancellationRate * outdoorMult * timingMult
    660 = $660
  4. Calculate Liability premium
    Liability premium
    292.53 = $292.53

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