should we get wedding insurance?

my mom was telling me that i should get wedding insurance or something so that way if a vendor happens to not show up or something it will be covered for the money i lost..i'm not really sure if i should do this? where would i get it from? and how much is it?
also i was wondering.. in a limo is it just you and your new husband riding in the limo to the reception or does the whole bridal party? thanks in advance for everything!

I've never heard of such a thing. And, I don't know why you would need it.

The vendors you choose, need your business – they can't really afford to have bad publicity, so there's no way they wouldn't show – IF you have done your research, and found reputable people. If you hire your MOH's little brother's college room mate's ex girlfriends brother to be the DJ… then well, he might not show, but go with someone who is well known (not the cheapest guy either!) and you'll be good to go.

As far as the limo… Generally it's you, and the female members of your bridal party showing up in the limo, then at least you, DH, MOH and BM in the limo to the reception… if it's big enough, it can be your entire bridal party.

Just make sure you remind everyone to have a ride from the reception site home. You may think it's silly, but I can't tell you how many stories I've heard about people not remembering that they need a car at the reception site after riding there in a limo.

Good luck, and Congratulations!