BOSTON (CBS) – June is synonymous with weddings. Churches and reception venues have been booked for months, even years. Most weddings today are years in the planning!

And weddings are big business, a $100 billion industry. Average cost of a wedding today in the U.S. is close to $30,000. Average means there are weddings that cost a lot less and weddings that cost a lot more. I did find a great site to help you estimate costs, Their research found that couples spend between $22,000 and $37,000 for a wedding in the Boston area. And that price tag is about what you will spend in most of New England.

And that does not include the honeymoon or the insurance! Honeymoons can easily add another $10,000 to the bottom line. Couples will spend an estimated $7 billion on honeymoons this year. Many of these couples or their parents are going into debt to create the perfect wedding.

According to the Better Business Bureau, basic wedding insurance that covers loss of photos, videos, attire, presents, rings, and deposits usually costs between $155 and $550, depending on the amount of coverage you want. General liability insurance, which covers up to $1 million for accidents, costs around $185. That would cover a guest that imbibed a bit more than he should have.

What does wedding insurance cover? Problems with the site, weather, vendors, key people, sickness, or injury are the top concerns come wedding day. There is usually a specified maximum amount, which can be claimed under each section, and a deductible also applies.

If you are planning a January wedding and there is an ice storm and you need to postpone will the insurance cover that? And how much will it cover?  Be sure to find out the details of your insurance plan. As with any insurance the proof is in the details. Read the fine print. Check out what it does cover and how much will it cover.