Although many think of summer as prime wedding season, results from The Knot’s 2015 Real Wedding Study suggest that may be changing: In 2015, only 33% of couples wed in the summer months, down from 39% the previous year.

The proportion of couples who opted for a fall wedding, on the other hand, is on the rise, increasing from 31% in 2014 to 39% in 2015.

Like any special event, weddings have unique exposures which could force couples to fork over significant payouts if not covered. Fortunately, they have their pick of many wedding insurance policies that can protect them on their special day.

Here’s what your soon-to-be newlywed clients need to know in time for their fall wedding.

Why They Need It

Although couples may hesitate to spend even a cent more than necessary on an event that can get pretty pricey in the first place, wedding insurance policies usually don’t cost more than $100—and can save your clients thousands if anything goes wrong.

According to a study by Travelers, almost a third (30%) of wedding claims dollars result from vendor issues like no-show DJs, photographers failing to develop photos and even vendor bankruptcy.

Just last month, The Winery at Elk Manor in North East, Maryland abruptly announced its closing and alerted couples—who had submitted deposits to secure their spots months in advance—that the venue would not conduct any events after Aug. 9. Elk Manor’s records show it was still accepting deposits and scheduling photo shoots as close to its closing date as Aug. 2.

The sudden announcement left more than 50 families scrambling to reschedule and notify hundreds of friends and family members. Those who purchased wedding insurance, however, had one less thing to worry about, because their deposits were covered.

Because many venues don’t refund deposits, “Markel recommends purchasing an event cancellation insurance policy before you begin to pay deposits,” says Amanda Newmeister, event insurance product manager at Markel Insurance, which allows clients to purchase cancellation coverage up to 14 days prior to the event date and liability coverage up to one day prior.

Even if a vendor has insurance, its policy protects its own interest, points out Todd Shasha, managing director of personal insurance product management at Travelers. “If you’re purchasing a wedding or special event policy, it’s for you and your coverage needs.”

Beyond vendor problems, a number of other circumstances can interrupt a wedding, such as illness or injury, weather issues, military deployment and property damage.

Pick Your Policy

According to Newmeister, “because wedding insurance is based on the event and not an individual, the coverages are fairly standard from carrier to carrier, while the limits and coverage amounts vary from company to company.”

The liability limit for many wedding insurance policies is around $1 million. To make sure everything is covered, Newmeister suggests asking your clients questions like: Where will the event be held? What type of protection are you looking for? Will liquor be served?

For example, if the wedding ceremony and/or reception takes place at someone’s home, a wedding insurance policy is necessary to fill gaps in homeowners coverage. While a typical homeowners policy covers anywhere from $300,000 to $500,000 in liability, it would not cover cancellation costs.

With wedding insurance, “you can buy the core coverages for cancellation, assuming that you have a vendor coming into the house to serve food, bring flowers and [perform] other services,” Shasha explains. “You definitely want to make sure you have enough liability insurance or liquor liability insurance if you’re serving alcohol.”

And Newmeister says if a couple is planning a destination wedding, a wedding insurance policy will usually cover those exposures as well, depending on the country.

An important distinction that varies among companies’ wedding insurance policies is ring inclusion—some will cover both the wedding bands and engagement ring, while others exclude the engagement ring. Also keep in mind that the post-wedding timespan in which the policy will continue to cover items like rings and gifts may vary as well.

On that note, offering wedding insurance to your clients opens the door to a handful of other products, Shasha says: “You have rings that could lead to personal articles or jewelry policies, or auto and renters policies. There’s plenty of opportunity to capture some good business.”

Some policies have special endorsements that may apply to your clients, depending on their taste. For example, Travelers expanded its offering to include brunch the day after the ceremony, which has recently become a popular trend among newlyweds.

What about the honeymoon? A separate travel insurance policy may be necessary for protecting those risks. “When you think about a special events policy, we’re focused on the event itself,” Shasha explains. “When you’re talking about a honeymoon, that’s a separate event, so a travel insurance policy will cover things like delayed flights or lost luggage.”

Important note: Make sure your clients understand that wedding insurance does not cover cold feet in case they change their minds before the ceremony. “It’s really hard to price for that,” Shasha says. “It’s tough to come up with an adequate rate for predicting emotions.”