Does home insurance cover weddings?

Published 1 October 2025

Wedding and engagement rings are not cheap, so, although it may not be a romantic conversation to have, it's worth knowing the value of your engagement ring to make sure you've got the right cover. The last thing you want is your ring sliding off in the sea on your honeymoon, but it happens - so make sure your ring is properly insured. 

Wedding rings are often covered by your contents insurance, but you may need to add it as a specified item on your personal possesions cover if it's worth over £2,000 (or £5,000 if you have a home plus policy). This also means if your wedding ring's stolen, as long as it's listed as a high value item, we'll be able to cover you for a replacement. 

Just like your engagement ring, your wedding dress will usually be covered under your contents insurance, but this depends on the cost of your dress. If you have accidental damage cover, your wedding dress may also be covered against spillages. 

But contents insurance won't cover you all the way to the altar. You'll need personal possessions insurance to make sure all your personal belongings are covered even when you're out and about. 

Now, with all this in mind, you should be all set to get hitched - without a hitch... excuse the pun!