Wedding Insurance- Should you buy it or not?

Up until today, I have been very skeptical of the whole wedding insurance movement BUT more and more I am dealing with brides and grooms for whatever reason that do not actually get married. So the question is "If we are not going through with our wedding plans then how do we recover financially?"  I am currently in talks with several companies that provide these services and will feature the information in a future post. But until then, I suggest couples to really do their homework and make sure they are clear on the terms of the contracts they are signing as they plan their big day.