The Top 5 Most Unbelievable Things Covered by Insurance

Insurance is typically associated with the usual suspects: cars, homes, and health. However, some policies go far beyond these mundane offerings, covering the truly bizarre and fantastical. In this blog post, we will explore five of the most unbelievable things you can actually get insured. Prepare to be amazed!

1. Alien Abduction Insurance

It's not every day that you think about getting abducted by extraterrestrials, but for some, it's a genuine concern. Alien abduction insurance is a coverage option that provides compensation if you are taken by aliens and return with no memory of the event. While it sounds absurd, companies like the UFO Abduction Insurance company claim to offer policies that can pay out large sums (sometimes up to $1 million) based on the trauma of the experience.

Though the payout details could lead to complicated claims, many enthusiasts believe this insurance provides peace of mind as they gaze up at the stars.

2. Haunted House Insurance

Are you worried that your home might come with some ghostly inhabitants? Haunted house insurance is another unconventional policy that covers damages related to paranormal activity. Although most insurance providers don't offer such coverage, specialty insurers have emerged to fill the niche.

This type of policy typically covers scenarios where ghosts are believed to cause physical damage, from broken furniture to unexplained property loss. It's not everyday protection, but if you're living in a historic mansion, it might be worth investigating.

3. Kidnapping Insurance

While it may seem more fitting for a spy novel than everyday life, kidnapping insurance is a reality for some. This policy is designed to cover ransom payments, negotiable fees to get you back safely, and even the cost of crisis management after the incident.

While it may raise eyebrows, this type of coverage is commonly used by high-profile individuals, such as executives and celebrities, who may be targets for kidnapping due to their wealth or status. It’s a pragmatic choice, albeit an unsettling one.

4. Bodypart Insurance

Some celebrities and talented professionals don’t just rely on standard life insurance. They opt for body part insurance, which covers loss or damage to specific body parts that are crucial to their careers. For example, famous musicians may insure their vocal cords, while athletes might insure their legs or arms.

Morgan Freeman famously insured his voice for $1 million, showcasing the intrinsic link between unique attributes and personal financial security. Such policies ensure that if something happens to that key asset, you are not left entirely in the lurch.

5. Zombie Apocalypse Insurance

With the rising popularity of zombie-themed movies and shows, the concept of zombie apocalypse insurance has gained a cult following. While no traditional insurance company would offer such a policy, some novelty insurers have taken it upon themselves to create packages that guarantee protection in the event of a zombie outbreak.

These policies may cover everything from property damage to supplies needed for survival. However, most consider this fun rather than practical, serving as an amusing conversation starter at social events rather than a serious financial safety net.

A spooky mansion believed to be haunted

Conclusion - Things Covered by Insurance

Insurance often feels like a mundane necessity in our busy lives, but the bizarre options available show that it can also be a source of creativity and humor. From alien abductions to haunted homes, these unusual policies demonstrate that where there is a worry, someone might find a way to cover it.

For those adventurous enough to venture into these bizarre insurance waters, the coverage can provide a sense of security amid the extraordinary. Whether you see yourself more as a potential alien abductee or a ghost-whisperer, consider the interesting ways insurance can account for life's weirdest moments.

Regardless of how unbelievable these policies might seem, they serve as a reminder that our fears and imagination often drive the world of insurance in unexpected directions. So, as you look into your own coverage needs, why not think outside the box? After all, who knows what the future has in store?