1. Weirdest Insurance Policies: Alien Abduction
$10 Million Plus in this odd niche abduction insurance market, which often includes bizarre claims, has been written by various companies, often taken out by celebrities looking to cover all possibilities and ensure full protections. I received a “No Comment” when I enquired about any payouts to policyholders on these strange cases. No kidding. “No Comment”. As an agent, it got me thinking about how uncommon these insurance requests truly are. Given that Homeowners insurance premiums are more expensive in certain areas because of hurricanes, forest fires, etc. Does Alien Abduction Insurance cost more near Roswell? A proper risk assessment would certainly help determine that. Hmmm
2. Weirdest Insurance Policies: The Middle Finger
Keith Richards, of The Rolling Stones, reportedly had his middle finger insured for 1.5 Million Dollars. I don’t think that is an image of Keith Richards as a Baby, but it was the nicest picture I could find of someone giving us “the finger.”
3. Weirdest Insurance Policies: “Death By…Coconut”
Not kidding… falling coconuts kill 150 people worldwide each year. So you are almost four times more likely to die from a coconut than from shark bites (38 on average annually). Armed with these statistics I tried to market “Coconut Insurance”. It did not work out very well for me; Our main office is in Colorado.
4. Weirdest Insurance Policies: Mmm “Taste Buds”
A worker at Cadbury’s Chocolate has her taste buds insured for 1 million dollars. Note: The policy has stipulations that she must avoid Hot Curries, Hot chilies, and her mother-in-law’s cooking. These might be the weirdest insurance policies.
5. Weirdest Insurance Policies: “Cold Feet” Insurance
It’s not Insurance for putting socks on. It’s wedding cold feet! The average cost of a Wedding in the United States is $26,800. The way I see it, a man either gets cold feet before and after the wedding (Am I, right Guys?)
Top Weirdest Insurance Policies Written in 2023!
In 2023, some of the most unusual and uncommon intriguing insurance policies have continued to capture attention, with some even being designed specifically for celebrities. These range from practical to the seemingly bizarre, incorporating thorough risk assessment, premiums, protections, and bizarre claims, including some strange niche cases, reflecting the diverse needs and concerns of policyholders, individuals, companies, and businesses. Here are a few noteworthy examples:
- Multiple Birth Insurance: This policy offers financial assistance to expectant parents in the event of delivering multiples like twins or triplets, helping to offset the additional costs of raising multiple children.
- Change of Heart Insurance: Aimed at protecting investments in weddings, this insurance covers expenses in case the wedding is called off due to one party getting cold feet.
- Wedding Insurance: Beyond change of heart scenarios, this insurance covers unforeseen events leading up to a wedding, such as extreme weather or illness, and may include liability for accidents during the event.
- Collectibles Insurance: For those with valuable collections like stamps, coins, or art, this insurance provides coverage against theft, damage, or loss.
- Lottery Insurance: Businesses can insure themselves against the financial impact of multiple employees quitting abruptly after winning the lottery.
- Livestock Insurance: Essential for those in the animal agriculture sector, this covers various scenarios including death, disease, theft, or injury of livestock.
- Bed Bug Insurance: Covers the costs of extermination and replacing infested items, which are typically not included in standard home or renters insurance.
- Falling Satellite Insurance: Protects against property damage or injury caused by debris from falling satellites.
- Thailand Riot Insurance: Introduced to safeguard tourists in Thailand from financial loss due to injuries or delays caused by riots.
- Kidnap and Ransom Insurance: Provides coverage for the financial repercussions of incidents like kidnappings or unlawful detentions.
- Bicycle Insurance: Covers theft, damage, or loss of bicycles, and may include liability and personal accident benefits.
- Food Truck Insurance: Tailored to address the unique risks of mobile eateries, including conducting a thorough risk assessment, auto, general liability, property, and workers’ compensation insurance.
- Facial Hair Insurance: For individuals whose facial hair is integral to their personal or professional brand, offering financial protection against loss or damage.
- Halloween and Haunted House Insurance: Covers risks associated with hosting Halloween events or operating haunted houses.
- Party Guest Insurance: Protects hosts from liability claims during events, including coverage and protections for personal harm and property destruction.
- Taste Bud Insurance: For individuals whose career relies on their sense of taste, providing financial protection against the loss of this critical sense, with affordable premiums tailored to their specific needs.
- Falling Coconut Insurance: A unique coverage for individuals concerned about the risks of injury from falling coconuts in tropical locations.
These policies showcase the insurance industry’s ability to cater to a wide array of unique and uncommon niche specific needs for celebrities, policyholders, and companies, ranging from the practical to the highly unusual, including some of the strangest and most bizarre claims imaginable.
Best Home and Auto Insurance Policies for New Homeowners
- Progressive Home & Auto Bundle: Offering a multi-policy discount for combining both homeowners insurance and auto insurance, Progressive provides robust coverage for new homeowners. Enjoy savings on your premiums and comprehensive coverage for your home and vehicle. Call us now to learn more.
- Dairyland Full Coverage Auto with Home Protection: Dairyland offers new homeowners affordable auto insurance with the option to add affordable home insurance. Get peace of mind with customizable coverage and reliable protection for both your vehicle and property. Text Us for policy details.
- National General Homeowners and Auto Insurance: With tailored coverage for new homeowners, National General provides generous discounts when bundling home and auto insurance. This policy includes protection against property damage, liability coverage, and comprehensive vehicle protection. Call today for a personalized quote.
- The General Home & Auto Insurance for First-Time Buyers: Ideal for first-time homeowners, The General offers affordable policies with flexible payment options. Their bundle offers comprehensive homeowners insurance and full coverage auto insurance at competitive rates. Text Us to check eligibility.
- AssuranceAmerica Home & Vehicle Protection: AssuranceAmerica offers competitive pricing and personalized options for new homeowners. Benefit from full protection on both your home and vehicle with discounts available for combining policies. Call us now for a free quote.
- Bristol West Auto Insurance with Home Coverage Options: Bristol West offers comprehensive auto insurance plans tailored for new homeowners, with the option to include homeowners insurance at discounted rates. Protect your new investment and enjoy additional savings by bundling. Text Us to explore your options.
- Suncoast Homeowners and Auto Insurance Bundle: Suncoast provides coverage specifically designed for new homeowners. Save with a bundle that includes auto insurance and home coverage, ensuring protection for both your property and vehicles. Call today for more information.
Frequently Asked Questions
What are some of the weirdest insurance policies ever issued?
Some of the weirdest insurance policies include coverage for alien abduction, zombie apocalypse, taste bud insurance, and policies for unusual professions like professional cuddlers. While these policies may seem unusual, they cater to unique needs and concerns that individuals or businesses may have.
Are these weird insurance policies practical or just novelty items?
While some weird insurance policies are novelty items designed for fun and entertainment, others may have practical applications. For example, alien abduction insurance is often purchased as a joke, but other policies, such as insurance for unique professions, may provide legitimate coverage for niche risks. It’s essential to read the policy terms and consult with an insurance professional to determine the practicality of any insurance coverage.
Can I get a custom insurance policy for unusual needs?
Yes, you can often obtain custom insurance policies tailored to your specific needs, even if they are unusual. Insurance companies are willing to work with individuals and businesses to create policies that address unique risks and concerns. If you have specific insurance needs or questions about unusual coverage, please feel free to contact us. We’re here to assist you in finding the right insurance solutions.
What types of insurance are not recommended?
As an insurance brokerage, we advise caution with certain types of insurance that may not provide substantial benefits relative to their cost. For example, extended warranties or insurance for small, easily replaceable items may not be cost-effective. Similarly, policies with excessive limitations or exclusions, such as some travel insurance policies, may not offer practical coverage. It’s crucial to assess the value, necessity, and coverage details of any insurance policy and consult with a professional to ensure it aligns with your specific needs and offers real benefits.
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Last Updated on by Marlon Moss
