If you look, you will find many brides and grooms who wish they had considered this option when planning for their big day. Even with the best planning that covers everything from schedules, food and seating charts and unexpected guests, there are still some things out of your control. Watch any reality wedding show on television and you know that you should always expect the unexpected when planning a wedding. Three things are true for every wedding: You want them to be perfect, they very often are not, and wedding reception insurance can assure that your investment is protected. Many people wonder if wedding reception insurance is really necessary and the answer is simple.