The 5 Weirdest Things You Buy Insurance For

When you hear the word insurance, what’s the first thing that comes to mind? It’s probably “life,” “car,” or “homeowner” — since those are the three biggest types of insurance an individual will need to have during her lifetime.

What about “bar mitzvahs,” “multiple births” or “mustaches”? Believe it or not, those are all things that can be insured. Read on to learn a few of the other weird items that your insurance company will cover.

5 Weird Items That Insurance Will Cover

For some of these, you might have to purchase a separate policy from a specialized insurance company. Others can be added to your current homeowner’s insurance policy as a rider.

Haunted Houses

Do you love to go all out during the witching season, and invite the neighbor kids in to tour a spooky, spine-tingling haunted house experience? They can be a lot of fun, but if someone gets hurt, you could face a seriously scary lawsuit.

Put down that bowl of eyeballs — er, peeled grapes — and ask your insurance agent about special events accident and liability insurance before October 31st rolls around again.

Alien Abduction

Speaking of frightening experiences, did you know that alien abduction insurance is available? In the event that you are whisked away from Planet Earth by little green men in a flying saucer, you’ll be covered.

This truly far-out insurance covers all medical expenses, including psychiatric treatment, related to alien abduction. Some policies cover cash settlements for abduction, alien pregnancy, and even death caused by aliens.

Houseplants and Landscaping

Compared to some of the other wacky policies we’ve seen, this one is actually pretty normal. Some homeowner’s policies already cover landscaping and will pay out if your trees or other greenery are damaged by Mother Nature.

However, if you have exotic or rare plants, either inside your home or as part of your outdoor landscaping, it’s worth looking into coverage for them. Check out Amistad Insurance Services for your home or renter’s insurance.

Weddings

The average American bride and groom spend over $33,000 on their wedding — and that’s not counting the engagement ring or the honeymoon! That’s a tidy sum, but it would be downright tragic to be out 33K if the wedding doesn’t even happen. Enter wedding insurance, which covers all associated costs if your spouse-to-be gets cold feet.

Wedding insurance will keep you covered if a guest gets ill or injured, if the venue is damaged or cancels your event last minute, or if there are damages to the dress, the cake, the photographs, and more.

Kidnapping and Ransom

This one’s for all you super-spies out there. Afraid that you’ll be kidnapped or held hostage? Kidnap and ransom insurance has your back. Tell your family to go ahead and leave that duffel bag full of unmarked bills at the corner of 1st Avenue and Main Street, just inside the garbage can.

Many insurance agencies offer policies not just for kidnapping, but also for extortion, wrongful detention, hijacking, and hostage crises.

The More You Know

Of course, what some people consider extremely weird items to insure are run-of-the-mill for other people. We hope that this roundup of weird insurance policies has been entertaining. For more weirdness, check back frequently for updated blog posts celebrating everything wild and wacky!

Weirdomatic is the place where all weird things come to life through the amazing world of photographs – a corner of our wild imagination or the whimsical face of the reality?