With all the planning and spending that goes into planning a wedding, everyone hopes the big day goes off without a hitch, but that doesn’t always happen. Horror stories about cancelled venues, no-show photographers and missing caterers are all too common and many brides are opting for wedding insurance to protect their investment.

“When it comes to wedding insurance, whether to purchase it should be on a case by case basis,” says Andrea Woroch, a consumer savings expert. “If you’re planning a small-scale wedding it may not be worth the added costs but if you are having a large dollar wedding, that’s a huge investment.” According to experts, most wedding insurance costs only a few hundred dollars.

An analysis of 2012 wedding claims identified vendor issues as the top of wedding day mishaps and represented 24% of all claims. Illness and injury came in second, accounting for 19% of all claims, while weather was to blame for 14% of the claims.

“A lot of things go wrong with weddings. Data shows 58% of all wedding claims related to vendor issues involve the photographer and that can be very costly.

Caterers also shoulder part of the blame for wedding day disasters with 21% of vendor-related issues involving a caterer going out of business, while 11% of claims were over a DJ not showing up and 5% were problems with the wedding planner.

To give couples a piece of mind, insurers over different levels of coverage to meet their budgets which can cover cancellation or postponement of the event, lost deposits, issues with the photographs and video, event gifts, the wedding dress, tuxedos and wedding jewelry.