Except for cold feet. Change of heart is not covered.

Your wedding may be in May; you booked the facility in December; but what if a month before the ceremony, the facility was destroyed in a fire, flood, or tornado? What would you do? Most people also opt for coverage of the additional expenses associated with arranging alternative services.

This isn't always spelled out very well so make sure you read your rental agreement carefully. I've had clients find out they need it at the very last minute, and it's more expensive to acquire on very short notice.