8 Weird and Unique Insurance Policies You Never Knew Existed

Shawn spent what felt like forever fighting off the aliens. He kicked and screamed as they tried to pull off his limbs for their intergalactic dinner. As soon as Shawn began to accept his fate, he woke up and realized it was only a nightmare.

But to be safe, Shawn purchased Alien Abduction insurance, in case his fear ever happened in real life. Along with health, auto, and life insurance, there are many unique insurance policies like insurance for the case of Alien Abduction.

1. Half-Court Shot Insurance

This is also known as Prize Promotion insurance. This type of policy is applicable when a company holds a contest in which the participant needs to complete a difficult task. For example, this could be to kick a field goal, score a hole in one, or crack open a safe.

The prize for completing the task is usually expensive, like a car or a large sum of money. Organizations can buy Prize Promotion insurance to ensure that if the participant somehow won, they wouldn’t need to pay for the winnings.

2. Too Many Babies Insurance

Imagine you are trying to conceive a baby, so you go to your sister’s house to get advice. But her three triplets are running throughout the house eating all the food and breaking everything in sight.

You think about how expensive three children of the same age must be. There’s got to be some way to protect yourself if you get pregnant with more than one baby. There’s got to be some types of insurance policies to cover this.

Too Many Babies insurance, also known as multiple birth insurance, provides you with financial compensation if you get pregnant with multiple babies. But, you must buy this policy either before the pregnancy or when it is too early to tell how many babies there will be.

All babies are blessings, but there is no hiding that they are expensive blessings. If having many babies per pregnancy runs in your family, this might be a wise investment.

3. “I Don’t” Insurance

It’s a little over a year before your wedding and the whole family is preparing for the day, including your parents who spent thousands on decorations, catering, and wardrobe. But then your fiance gets cold feet and backs out. 

There are two common types of wedding insurance. One is to protect from financial liability if, for example, a guest was to get injured at your wedding or there is unexpected damage to the event property.

The other type of wedding insurance is often called “change of heart” insurance. This compensates innocent parties who invested in a wedding that got called off. The catch is, this insurance is only valid until 365 days before the wedding.

4. Alien Abduction Insurance

Yes, Alien Abduction insurance is real and it’s perfect for those wishing to storm Area 51. Although some companies claiming to offer this insurance are illegitimate, there are verified companies that do offer this and have even financed real claims.

With this policy, you know that when aliens capture you, there will be monetary compensation for your trouble.

5. Lottery Insurance

For business owners, employees winning the lottery together is one of their worst nightmares. Not only because of the pesky green monster called jealousy but also because of the impact on your company’s production.

Lottery insurance guarantees your financial protection if a group of company employees wins the lottery and leaves you without labor workers. So, if you see many lotto tickets lying around the office, you might want to look into getting your organization covered.

6. Bail Bond Insurance

Chad’s Mom, Vanessa knew this day was coming since Chad stole his first pair of sneakers. With his unwashed hair, “I don’t care” attitude, and the graffiti on his bedroom walls, he had “delinquent” written all over him.

But she would not let his actions affect him anymore. Not again! So she purchased bail bond insurance.

This unique insurance covers bail money in the event that your child gets arrested. Out of all the weird insurance policies, Bail Bond Insurance is likely the most controversial.

This is because you’re, in a sense, betting against your child. But hey, at least you’ll rest easy knowing that you won’t be paying the price for their actions.

7. Shake Your “Money Maker” Insurance

This is useful when somebody, usually a celebrity, wants financial compensation if something were to happen to their most profitable body part. This could be their rear end, throat, or even their mustache.

Gene Simmons’ tongue has insurance for $1 million since the famous organ is significant to his career. Similarly, Kim Kardashian’s buttocks is insured at $21 million.

Even the country music singer, Dolly Parton has followed this trend, insuring her breasts for $300,000 each.

8. Death by Laughing Insurance

You and your friend, Adam, go to a comedy show that is famous for making customers laugh, cry, and simply go crazy. But Adam laughs so uncontrollably that he actually dies. An unexpected tragedy. 

This is similar to other types of life insurance because it compensates a family for the death of their loved one. But for this insurance policy, the death has to be as a result of laughter.

And, as opposed to an individual purchasing this policy, it is more aimed for Comedy clubs to buy. Specifically, the Comedy clubs that feel their content is too hilarious for their customers to handle. 

If you are willing to pay, odds are there is a company that will supply. But with any type of insurance, there are conditions. Learn more about how insurance is implemented so that you purchase the right policy that will cover you whenever you need it.

What Unique Insurance Do You Need?

We constantly see commercials for auto, life, and health insurance so it can be easy to forget about unique insurance. The truth is, you can get insured for nearly anything you worry about and want protection for.

So don’t worry. No matter what you’re doing, or what happens, there’s probably someone willing to cover your butt. For a price, of course.

Like this article? Check out our blog for more interesting, thought-provoking and downright outrageous articles like this one. 

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