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Semi-ridiculous Insurance Coverages You Haven't Heard Of

Being in the insurance industry, we know as well as anyone that if there’s a chance of something happening, you can bet there will be insurance to protect against it. As consumers, we typically view the insurance options available to us in broad categories: renters insurance, homeowners insurance, auto insurance – but those only scratch the surface. Insurance coverages can be uniquely offered by select insurers, or even written up specifically for one person and their needs. From alien abduction insurance to change of heart wedding insurance, there’s a whole other world of eccentric insurance coverages you haven’t heard of.



Let’s take a look at some of these coverages below.



Alien Abduction Insurance

It’s becoming more widely believed that we’re not alone in this universe. Whether we take them seriously or not, somewhat convincing alien abduction claims and stories are out there. In response to this far-fetched but seemingly possible occurrence, people have turned up in droves wanting to purchase alien abduction insurance. Lloyd’s of London is the most popular alien abduction insurer out there, reportedly selling over 30,000 policies to-date.



Wedding Insurance

Marriage is a big deal, and some people just can’t go through with it when it comes time to say “I do.” So, naturally, wedding insurance came along. Wedding insurance protects you against logistical issues like a venue closing or bad weather in addition to illness or injuries to you or your spouse. There’s also an add-on option for “change of heart” or “cold feet” insurance. Have gut feeling about your fiancé’s follow through? You can insure it.




Kids Life Insurance

As you can probably glean from the title, purchasing a kids life insurance policy insures you in the event that your child passes away. While some oddball insurance policies can make sense depending on one’s specific situation, it’s hard to make a logical case for kids life insurance. Why? Well, kids don’t make any money, so there’s no need to insure their lives. We also live in a heightened age of medicine, making it quite rare for children to die unexpectedly. But hey, if it makes you feel better about raising your children, by all means, insure them.



Body Part Insurance

Celebrities typically possess a particular physical characteristic or two which are instrumental in their fame, so it’s not unreasonable for them to insure their prized assets. However, it doesn’t make the insurance policies they take out any less ridiculous-sounding. There are countless instances of note here: Bruce Springsteen insured his voice for six million, cricketer Merv Hughes insured his walrus mustache for $370,000, the restaurant critic Egon Ronay took out a policy on his taste buds, Pittsburgh Steelers safety Troy Polamalu insured his luscious curly locks for 1 million and British singer and comedian Ken Dodd protected his teeth for 7.4 million. But perhaps the first, and most interesting policy is in the case of silent film actor Ben Turpin, who insured his eyes for $25,000 in 1920! Turpin was cross-eyed and wanted to protect his career in the event they uncrossed.



These are just some of the more eccentric and unusual insurance policies out there. If you’re interested in putting money toward a policy that can actually protect you (assuming your legs aren’t making you millions, or something), visit our online insurance shopping and comparison platform today!


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