Imagine what a wedding planner's wedding looks like. From the fantastic florals, lovely linens and rocking reception, Brooke Palmer was prepared for just about anything.
"We lucked out this weekend," she said, "The weather was absolutely beyond perfect!"
However, even after planning hundreds of weddings for others, Brooke needed to ensure that her big day at the Ringling Museum in Sarasota didn't turn into a circus.
"Whether it's a guest acting up, whether it's weather, whether it's a truck breaking down from a vendor, (which I've had happen, not at my wedding, thankfully, but at other weddings) you just want to be prepared," Palmer said.
And things do go wrong. According to Traveler's Insurance, in 2012, 24 percent of wedding insurance claims were blamed on vendor mishaps; 19 percent due to illness or injury; and 14 percent were a result of bad weather.
Furthermore, whether you're willing to take the risk or not, you may have to get wedding insurance no matter what.
"The Ringling happens to require wedding insurance for all their clients, so it wasn't something that was an option for me, but whether they required it or not, I would've definitely procured it because it's just the smart thing to do," Brooke explained.
Insurance experts say since the average wedding now costs an estimated $24,000, (about the price of a car) it's worth getting it insured.
Deepak Jakhotia with Blue Insurance said, "It's not that expensive."
In fact, wedding insurance will run you about $400 to $600 for the recommended $1 million liability policy. Brooke was happy to write the check.
"Whether your wedding's $10,000 or a $100,000, doesn't really make a difference. You're protected."
On the big day, the biggest complaints are against photographers. Not the case though for Brooke -- her wedding was picture perfect, and she was happy she had the insurance she never had to use.
On the other hand, Fox 13's Consumer Reporter Chris Chmura warns that wedding insurance doesn't really protect you from something going wrong.
He says it only offers you a payment for certain types of mishaps. With that being said, it's not always worth it. He also called up several local venues in the Bay area to see which ones actually require wedding insurance.
The Sandpearl Hotel and Resort in Clearwater Beach, Don Cesar in St. Pete Beach, Ritz Carlton Sarasota, Jackson's Bistro in Tampa, Safety Harbor Resort and Spa, Honeymoon Island and Ybor Hotel were among those that do not require wedding insurance.
Only two that we called require it: the Ringling Museum and the St. Pete Fine Arts Museum.
FOX 13 / WTVT-TV
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