Unusual Insurance Policies

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Tim is a licensed life insurance agent with 23 years of experience helping people protect their families and businesses with term life insurance. He writes and creates stuff for QuickQuote and other insurance and financial websites. You can find him on Twitter.

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UPDATED: Aug 6, 2020

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There are ordinary every day things that people insure, such as cars, homes, their health, and their lives. Some people buy flood insurance and others earthquake insurance. Then, we have the not-so-ordinary items people choose to insure:

Wedding Insurance

After shelling out thousands of dollars for a wedding, it would be kind of a bummer to have to cancel or postpone the ceremony. One million and one things can go wrong at a wedding (have you seen the Runaway Bride?). And that’s precisely why some insurance companies offer wedding insurance. Not only can couples purchase insurance to cover the wedding itself, but often these policies also cover damage to the bride’s gown, stolen or broken wedding gifts and wedding photos.

Kidnapping Insurance

If you’ve learned anything from MasterCard commercials, it’s that, while most things cost money, a family is priceless. Or is it? Kidnappers and extortionists have shown us otherwise. Many insurance companies are now offering Kidnap and Ransom insurance. If you have a K&R policy, the insurance company will reimburse your family or corporation for the kidnappers’ ransom fee. So much for the old phrase, ‘money can’t buy you love.’

Body Insurance

Some folks are even purchasing insurance policies for certain body parts. For instance, Tom Jones insured his chest hair, J-Lo insured her backside, and Heidi Klum insured her long legs.  Merv Hughes, a bowler for Australia’s national cricket team, was so proud of his trademark mustache that he purchased a very expensive policy to cover the facial hair, but interestingly enough left his cricket arm uninsured. It’s a shame Achilles never spoke to his broker about investing in a policy for his infamous heel.

Paternity Insurance

You can get an insurance policy for just about anything these days, including fatherhood. David Lee Roth, the lead singer for Van Halen, did exactly that while he was on tour in the 1980s. Roth purchased a policy which stated that if he were ever the victim of a paternity suit, the company would cover the expenses. How’s that for a Father’s Day gift?

Fantasy Football Insurance

You can now insure your Fantasy Football league should you choose. For those who don’t know, Fantasy Football is a game where participants draft real NFL players onto theoretical teams. If your star player is injured, you can recoup your losses by buying an insurance policy. If your star player sits out a certain number of games, Fantasy Football Insurance will refund your entire entry fee. Just goes to show, you can insure anything, both real and imaginary.

Alien Abduction Insurance

Do you worry about if something else is out there?  Do science fiction novels hit a little too close to home? Do extraterrestrials haunt your thoughts and dreams? Well, worry no more! Alien abduction insurance policies are available for just this reason. This insurance policy can be redeemed if the insured person is abducted by extraterrestrials. So long as you can prove that you were kidnapped by something out of this world, you are covered.  Alien abduction insurance: don’t beam up without it.

While these insurance policies may seem unnecessary and even extreme, not all policies are quite so superfluous. term life insurance is a practical way to protect your family after you are gone. Talk to an insurance broker to find out what insurance company is best for you.

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