When claims come in, said Nuccio, they get special scrutiny. "We interview everybody who had anything to do with the wedding. What was really going on? We check. Often there's a lot of fudging."
Cheryl Winter concedes wedding insurance is not for everyone. "It depends on how much money you stand to lose," she said.
Where somebody is spending a lot of money, though, it can make sense. "What's $500 for insurance when you're looking at a $50,000 wedding?" she said. "Nobody can predict the future."
Her other daughter will be getting married next year in the hill country of Texas -- "another destination wedding," she said. Winter, who again will foot the bill, said she isn't familiar with any of the local vendors. Anything could happen. The caterer could go out of business. "I definitely will buy insurance again," she said.