Is wedding insurance necessary? That depends. We've all heard stories about bridal shops suddenly closing down leaving brides-to-be stranded without their wedding dresses or caterers forgetting to show up for their scheduled events. We've even heard of wedding professionals absconding with deposits, or rolls of film getting ruined. Since most wedding deposits are non-refundable, especially at the very last minute, it's best to be prepared. Wedding insurance might not allow couples to recoup all of their losses, but it will enable them to get some of their money back.